5% Calendar for Q1-2020: Discover, Freedom, ABOC Platinum, Dividend, Cash+, Vantage West

5% Calendar for Q1 2020

5% Calendar for Q1 2020

With many credit cards in your wallet, keeping track of the best earning rates for each category is vital. 5% is usually as good as it gets. There’s several credit cards out there that offer 5% on quarterly rotating categories. So let’s take a look at the 5% Calendar for Q1 2020. Here’s a helpful list that will let you know where to maximize rewards from these six credit cards:

Card How 5x Works Activate More Details
Chase Freedom 5X Ultimate Rewards points on $1,500 per quarter Activate Read More
Discover it 5% cashback on $1,500 per quarter Activate Read More
ABOC Platinum Rewards 5x points on $1,500 per quarter Register once Read More
Citi Dividend 5% on up to $6,000 spend for the whole year, can be earned in any quarter N/A Read More
US Bank Cash+ 5% cashback on $2,000 per quarter Activate N/A
Vantage West Card 5% on $1,500 per quarter N/A N/A

5% Categories

  • Chase Freedom
    • Gas stations
    • Select streaming services
    • Internet
    • Cable
    • Phone services
  • Discover It
    • Grocery Stores
    • Walgreens
    • CVS
  • ABOC Platinum
    • Utilities
    • Cell
      Cable
    • Amazon Prime
    • Streaming subscription services
  • Citi Dividend
    • Supermarkets
    • Fitness Clubs
  • US Bank Cash+ lets you choose 2 of the following categories:
    • TV, Internet, and Streaming Services
    • Home utilities
    • Select clothing stores
    • Cell phone providers
    • Electronic Stores
    • Gyms/Fitness
    • Fast food
    • Ground Transportation
    • Sporting goods
    • Department Stores
    • Furniture Stores
    • Movie theaters
  • Vantage West Visa Card lets you choose 1 of the following categories:
    • Travel
    • Restaurants
    • Utilities [water, cell, electric, etc.]
    • In-Store Wholesale Purchases [Costco, Sam’s Club, etc.]
    • Department Stores
    • Hardware & Home Improvement Stores
    • Charitable Organizations
    • Pharmacies & Drug Stores
    • Amazon.com

Maximizing Cashback for Q1 2020

Chase Freedom doesn’t have the best categories this quarter. Gas stations is probably your best bet if you are looking to purchase gift cards. You can also switch over your streaming, phone and tv services for three months.

The Discover it card has good categories this quarter that will make it easy to maximize the cashback. Grocery stores is probably a favorite for most people, but CVS and Walgreen could be useful too. You can even get 10% if this is your first year of card membership.

The ABOC Platinum card has similar categories to Chase Freedom. And you can also earn 5x on an Amazon Prime subscription.

Citi Dividend is better with Supermarkets. You could probably max out the whole $6,000 spend for the year there. It also has Fitness Clubs for those with healthy new year’s resolutions.

Then we have the US Bank Cash+ card and Vantage West Visa Card that let you choose two and one category respectively from a list of options. This gives you flexibility to choose a category that works best for you.

Guru’s Wrap-up

Some good categories are included, such grocery stores, gas stations, CVS and more. Also a few option for subscriptions and streaming services. Let me know what cards you have and how you plan on tackling this quarter’s 5% categories.

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