Let's Compare: 5% Credit Card Rotating Quarterly Rewards

Let's Compare: 5% Credit Card Rotating Quarterly Rewards
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#1

Chase Freedom - [$75 Max CB/ Quarter]

Citi Dividend - [$300 Max CB/ Year]

Discover (IT and More) - [$75 Max CB/ Quarter]

US Bank Cash Plus - [$100 Max CB/ Quarter]
(You pick your one 2% category, and two 5% categories, each quarter)

Nusenda Cash Rewards - [$75 Max CB/ Quarter]

2019:

Category Q1 Q2 Q3 Q4
Airlines - - Citi Nusenda
Amazon.com - - - Disc
Best Buy - - - Citi
Chase Pay - - - -
Car Rental - - Citi -
Department Stores - - - Citi
Drugstores Chase Citi - -
Education Expenses - - Nusenda -
Fitness Club - Citi - -
Gas Chase, Citi, Nusenda Disc Nusenda -
Groceries Disc, Nusenda Chase - -
Home Depot Citi - - -
Home Furnishings - - - -
Home Improvements - Chase,Nusenda - -
Hotels - - - Nusenda
Internet/Cable/Phone - - - -
Lyft & Uber - Disc - -
Mobile Payments - - - -
Movies - Nusenda - -
Restaurants - Nusenda Disc Nusenda
Tolls Chase - - -
Walgreens - - - -
Warehouse Clubs - - - -

2018:

Category Q1 Q2 Q3 Q4
Airlines - - Citi -
Amazon.com - - - Disc
Best Buy - - - Citi
Chase Pay - Chase - Chase
Car Rental Citi - - -
Department Stores - - - Chase, Citi
Gas Citi, Chase, Disc - Chase -
Groceries - Chase, Disc - -
Home Depot - Citi - -
Home Furnishings - Citi - -
Internet/Cable/Phone Chase - - -
Lyft - - Chase -
Mobile Payments Chase -
Movies - - Citi -
Paypal - Chase - -
Restaurants - - Disc -
Walgreens - - Chase -
Warehouse Clubs Disc - - Chase, Disc

Best Reward / Cash Back Credit Cards
#2

Taking me back to BBS days with that ASCII art centrifuge. Diggin it.


#3

Edited for better ASCII art :slight_smile:


#4

This does not make any sense on mobile.


#5

how about in landscape mode?


#6

This table is totally gonna be messed up once we start getting overlapping 5%'s


#7

That works but I never browse that way


#8

I was gonna update the wiki as an HTML table, but it doesn’t look as good IMO.
Edit: added vertical bars to separate columns. I think it’s better now.

Category | Q1 | Q2 | Q3 | Q4
Airlines | | | Citi |
Amazon.com | | | | Disc
Best Buy | | | | Citi
Car Rental | Citi | | |
Department Stores | | | | Citi
Gas | Citi, Chase, Disc | | |
Groceries | | Disc | |
Home Depot | | Citi | |
Home Furnishings | | Citi | |
Internet/Cable/Phone | Chase | | |
Mobile Payments | Chase | | |
Movies | | | Citi |
Restaurants | | | Disc |
Warehouse Clubs | Disc | | | Disc

#9

Awesome scripta. Any read on what the best way to max out Q1 for Mobile payments might be? I’m thinking staples maybe.


#10

I haven’t seen anything or figured it out for myself. Don’t drug stores accept mobile payments? Drug store ice cream would be better than Staples…


#11

It is said that Giant/Stop & Shop grocer, and Walgreens. I haven’t tested it yet. Waiting for a Giant fuel point promo.


#12

I used Chase with Android Pay at Walgreens. Had to bring my 7" tablet because that’s the only device I have with NFC.


#13

As I read this, I envisioned a Monty Python -type skit with the main character trying to “wave” a 15" CRT monitor over the card reader.

:laughing: :joy:


#14

[quote=“scripta, post:13, topic:2029, full:true”]
As I read this, I envisioned a Monty Python -type skit with the main character trying to “wave” a 15" CRT monitor over the card reader.[/quote]

Multiple cashiers have asked me if that’s my phone. :slight_smile:


#15

Chase Freedom also has 5% back on Chase Pay, Android Pay, Apple Pay and Samsung Pay. I was at the grocery store the day (Wegman’s) and noticed you can pay with Apple Pay so could be another option.


#16

It’s in the chart as “mobile payments”


#17

Sucks that Chase (Freedom) is so tightfisted with release of their category announcements. I mean, by now we should at least have their commitment for Q2. This makes spending planning more difficult.


#18

Has anyone used Discover to buy gift cards on Costco.com this quarter? I remember last year they properly gave 5% back for Costco.com purchases the first quarter, but not always in the second quarter (they did correct it for people who notified them).


#19

Yes. I used Discover to purchase a $500 Costco gift card this month and it posted with $25 cashback on my statement.


#20

Sounds useful, especially since Sam’s Club has done away with $500 variable Mastercards (only $250 variable Mastercards now), and Costco gift cards almost never discount.