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 Q4-2019.
Now that the fourth quarter of 2019 is upon us, here’s a helpful list that will let you know where to maximize rewards from these six credit cards:
- Chase Freedom (5X Ultimate Rewards points on $1,500 per quarter) – Link to activation – Read more here.
- Discover it (5% cashback on $1,500 per quarter) – Link to activation
- ABOC Platinum Rewards (5x points on $1,500 per quarter) – Read more here
- Citi Dividend (5% on up to $6,000 spend for the whole year, on rotating quarterly categories) – Link to activation
- US Bank Cash+ (5% cashback on $2,000 per quarter) – Link to activation
- Vantage West Card (5% on $1,500 per quarter)
5% Calendar for Q4-2019
- Chase Freedom
- Department Stores
- PayPal
- Chase Pay
- Discover It
- Amazon.com
- Target
- Walmart.com
- ABOC Platinum
- Auto Parts, Service, Repair
- Citi Dividend
- Best Buy
- Department Stores
- US Bank Cash Plus Card 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 Q4
With Chase Freedom, PayPal and Chase Pay should be great options for using up the $1,500 in spend. These can be used online and in stores.
The Discover it Card also has three great categories in Amazon, Target and Walmart.com. All three retailers are very popular for holiday shopping. You can even get 10% if this is your first year of card membership.
The ABOC Platinum card only eanrs 5% on auto services and parts this quarter. Citi Dividend is a little better with Best Buy and Department Stores.
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
This quarter you have categories such as PayPal, Chase Pay, Amazon, Target, Best Buy, Walmart. So it should be pretty easy to maximize your spending.
