5% Calendar for Q4 2020: Discover, Freedom, ABOC Platinum, Dividend, Cash+, Vantage West

5% Calendar for Q4 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 are several credit cards out there that offer 5% on quarterly rotating categories. So let’s take a look at the 5% Calendar for Q4 2020, as many consumers gear up for their holiday spending. But before we see where you can earn 5% back, let’s see how the earning works on each credit card.

Cards with 5% Rotating Categories

Card	How 5x Works	Activate
Chase Freedom Flex	5X Ultimate Rewards points on $1,500 per quarter	Activate	LEARN MORE
Chase Freedom	5X Ultimate Rewards points on $1,500 per quarter	Activate	No longer available
Discover it	5% cashback on $1,500 per quarter	Activate	LEARN MORE
ABOC Platinum Rewards	5x points on $1,500 per quarter	Register once	LEARN MORE
Citi Dividend	5% on up to $6,000 spend for the whole year, can be earned in any quarter	N/A	No longer available
US Bank Cash+	5% cashback on $2,000 per quarter	Activate	LEARN MORE
Vantage West Card	5% on $1,500 per quarter	N/A	LEARN MORE

5% Categories

Here are the categories where you can earn 5% with each one of these cards.

Chase Freedom & Freedom Flex
- PayPal
- Walmart
Discover It
- Amazon.com
- Walmart.com
- Target.com
- Best Buy (Nov 25 – Dec 31)
ABOC Platinum Rewards
- Department stores
- Electronics stores
- Superstores
- Amazon.com
- Other major online retailers
Citi Dividend
- Best Buy
- Warehouse Clubs online
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 5% Categories for Q4 2020

Chase Freedom and the new Freedom Flex has PayPal as a 5% bonus category this quarter which is a great option as always. Now with PayPal Key it gets even easier as you can use your cards even on websites or apps where PayPal is not accepted, or where debit purchases have a lower fee. Walmart is another popular retailer where many people already shop.

The Discover it card also has Walmart as a 5% category, but online only. In addition there’s also Amazon.com and Target.com. Amazon is always popular. Target on the other hand, not as much as you can already get 5% off with a Target REDcard and fere shipping.

The ABOC Platinum card is another option for Amazon. They also include superstores and other major online retailers this quarter. You can find more information on their website about what that includes exactly.

Citi Dividend has something different with Best Buy and also warehouse clubs online. Warehouse clubs often sell gift cards and Best Buy should be a popular category with holiday shopping.

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 PayPal, Amazon, Walmart and more. Let me know what cards you have and how you plan on tackling this quarter’s 5% categories.

If you don’t have these cards, there are also some good welcome bonuses available. You can get $200 and 5% on groceries for one year when you apply for the Chase Freedom Flex card. U.S. Bank Cash+ is offering a $200 bonus when you spend $500 in eligible purchases within the first 90 days. ABOC Platinum Rewards has a $150 bonus available. Chase Freedom and Citi Dividend are no longer available for applications.