Friday, September 21, 2012

Chase Freedom, Discover More and Citi Dividend - Activate Your 5% Quarter 4 Categories

Activate your 5% Categories for Chase Freedom, Discover More and Citi Dividend

Disclaimer - The Discover offers are no longer valid.

These categories are from October 1st - December 31st and focus on holiday shopping

  • Chase Freedom - 5% back on Airlines, Hotels, Best Buy and Kohl's.  Great for people who are going on interviews.
    • Chase Exclusives -  with Chase Checking Account, you will get an annual 10% bonus on all your points.  If you earned 10,000 points, you will get a 1,000 point bonus that year.
    • Most important 5% card - if you only want one 5% card, get the Chase Freedom
  • Discover it™  - 5% for online purchases and department stores.  Maximum of $75 cashback (spending $1,500 during the 3 months)
    • Most important this quarter as I do a lot of shopping online.
    • Important card to have, but secondary to Chase Freedom for those who don't like to have too many cards
  • Citi Dividend - 5% for Electronic stores, Toy stores and Macy's
    • I am not a big fan of this card.  Their 5% categories are usually inferior.  I have only added it because I was able to get a $200 sign up bonus after spending $500, which is the best sign up bonus for a card without an annual fee.  Even though it is clearly an outdated link (you can see the categories from January), I still got my $200 without having to call because the link still does work.

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