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

centrifuge41 · November 2, 2017, 2:42am

Chase Freedom & Freedom Flex - [$75 Max CB/ Quarter]

Citi Dividend - [$300 Max CB/ Year]: legacy product

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]

2026:

Category	Q1	Q2	Q3	Q4
Amazon	Citi	-	-	-
American Heart Association	Chase	-	-	-
Chase Travel	-	-	-	-
Citi Travel (Hotel, Car, Attractions)	-	-	-	-
Department Store	-	-	-	-
Drugstore	-	-	-	-
Electric Vehicle Charging	-	-	-	-
Gas	-	-	-	-
Grocery	Disc	-	-	-
Gym	-	-	-	-
Home Improvement	-	-	-	-
Hotel	-	-	-	-
Instacart	-	-	-	-
Live Entertainment	-	-	-	-
Norwegian Cruise	Chase	-	-	-
Old Navy	-	-	-	-
Paypal	-	-	-	-
Public Transit	-	-	-	-
Restaurant	Chase	-	-	-
Spa/Self-Care/Hair	-	-	-	-
Streaming (some	Disc, Citi	-	-	-
Utilities	-	-	-	-
Warehouse	Disc	-	-	-

2025:

Category	Q1	Q2	Q3	Q4
Amazon	Citi	Chase	-	Disc
Chase Travel	-	-	-	Chase
Citi Travel (Hotel, Car, Attractions)	-	Citi	-	Citi
Department Store	-	-	-	Chase
Drugstore	-	-	-	Disc
Electric Vehicle Charging	-	-	Chase, Disc	-
Gas	-	-	Chase, Citi, Disc	-
Grocery	Chase	Citi, Disc	-	-
Gym	Chase	-	-	-
Home Improvement	Disc	-	Citi	-
Hotel	-	-	-	-
Instacart	-	-	Chase	-
Live Entertainment	-	-	Chase	-
Norwegian Cruise	Chase	-	-	-
Old Navy	-	-	-	Chase
Paypal	-	-	-	Chase (Dec only)
Public Transit	-	-	Disc	-
Restaurant	Disc	-	-	Citi
Spa/Self-Care/Hair	Chase	-	-	-
Streaming	Citi,Disc	Chase	-	-
Utilities	-	-	Disc	-
Warehouse	-	Disc	-	-

2024:

Category	Q1	Q2	Q3	Q4
Amazon	Citi	Chase	-	Disc
Charity (some)	-	-	-	Chase
Citi Travel (Hotel, Car, Attractions)	-	-	-	Citi
Digital Wallets	-	-	-	-
Drugstore	Disc	Citi	-	-
Electric Vehicle Charging	-	Disc	Chase	-
Gas	-	Disc	Chase,Citi	-
Grocery	Chase	Citi	Disc	-
Gym	Chase	-	-	-
Home Improvement	-	Disc	-	-
Hotel	-	Chase	-	-
Live Entertainment	-	-	Chase	-
McDonald’s	-	-	-	Chase
Movie	-	-	Chase	-
Lowe’s	-	-	-	-
Paypal	-	-	-	Chase
Pet Shops/Vet Services	-	-	-	Chase
Restaurant	Disc	Chase	-	Citi
Spa/Self-Care	Chase	-	-	-
Streaming (some)	Citi	-	-	-
Target	-	-	-	Disc
Walmart	-	-	Disc	-
Warehouse	-	-	-	-
Whole Foods	-	Chase	-	-

2023:

Category	Q1	Q2	Q3	Q4
Airfare	-	-	Nusenda	-
Amazon	Citi	Chase	-	Disc
Charity (some)	-	-	-	Chase
Digital Wallets	-	-	Disc	-
Drugstore	Disc	Citi	-	-
Education	-	-	Nusenda	-
Electric Vehicle Charging	-	-	Chase	-
Furnishings	-	Nusenda	-	-
Gardening	-	Nusenda	-	-
Gas	Nusenda	-	Chase,Citi,Disc,Nusenda	-
Grocery	Chase,Disc,Nusenda	Citi	-	Citi
Gym	Chase	-	-	-
Home Improvement	-	Nusenda	Citi	-
Hotel	-	-	Nusenda	-
Live Entertainment	-	-	Chase	-
Lowe’s	-	Chase	Citi	-
Online	-	-	-	Nusenda
Paypal	-	-	-	Chase
Retail	-	-	-	Nusenda
Restaurant	-	Disc	-	Nusenda
Streaming	Citi,Disc	-	-	-
Target	Chase	-	-	Disc
Warehouse	-	Disc	-	Chase

2022:

Category	Q1	Q2	Q3	Q4
Airfare	-	-	Nusenda	-
Amazon.com	Citi	Chase	-	Disc
Car Rental	-	-	Chase	-
Digital Wallets	-	-	-	Disc
Drugstores	-	Citi	-	-
eBay	Chase	-	-	-
Education	-	-	Nusenda	-
Gas	Nusenda	Disc	Chase,Citi,Nusenda	-
Groceries	Chase,Disc,Nusenda	Citi	-	-
Gym	Disc	-	-	-
Home Improvement	-	Nusenda	Citi	-
Hotel	-	-	Nusenda	-
Live Entertainment	-	-	Chase	-
Movies	-	Nusenda	Chase	-
Online	-	-	-	Nusenda
Paypal	-	-	Disc	Chase
Phone	-	-	-	-
Restaurants	-	Nusenda	Disc	Citi,Nusenda
Retail Stores	-	-	-	Nusenda
Streaming	Citi	Chase	-	-
Target	-	Disc	-	-
Travel	-	-	-	Citi
Walmart	-	-	-	Chase

2021:

Category	Q1	Q2	Q3	Q4
Airfare	-	-	-	Nusenda
Amazon.com	Citi	-	-	Disc
Best Buy	-	-	-	Citi
Cable	Chase	-	-	-
CVS	Disc	-	-	-
Drugstores	-	Citi	-	-
Education	-	-	Nusenda	-
Gas	Nusenda	Chase,Disc	Citi,Nusenda	-
Groceries	Disc,Nusenda	Citi	Chase	-
Home Improvements	-	Chase,Nusenda	Citi	-
Hotel	-	-	-	Nusenda
Internet	Chase	-	-	-
Movies	-	Nusenda	-	-
Paypal	-	-	Disc	Chase
Phone	Chase	-	-	-
Restaurants	-	Nusenda	Disc	Citi,Nusenda
Streaming	Citi,Chase	Disc	Chase	-
Target.com (No B&M)	-	-	-	Disc
Walgreens	Disc	-	-	-
Walmart (Online and B&M)	-	-	-	Chase
Walmart.com (No B&M)	-	-	-	Disc
Wholesale Clubs	Chase	Disc	-	-

2020:

Category	Q1	Q2	Q3	Q4
Airfare	-	-	-	Nusenda
Amazon.com	-	Citi	Chase	Disc
Best Buy	-	-	-	Citi,Disc(Dec)
Cable	Chase	-	-	-
CVS	Disc	-	-	-
Drugstores	-	Citi	-	-
Education	-	-	Nusenda	-
Fitness Club/Gym	Citi	Chase	-	-
Gas	Chase	Disc	Nusenda,CSR(5x),CSP(3x)	-
Groceries	Citi,Disc	Chase	-	-
Home Depot	-	Disc (June)	-	-
Home Improvements	-	-	Citi	-
Hotel	-	-	-	Nusenda
Instacart	-	-	CSR(5x),CSP(3x)	-
Internet	Chase	-	-	-
Lyft & Uber	-	Disc	-	-
Paypal	-	-	Disc	Chase
Phone	Chase	-	-	-
Restaurants	-	-	Disc	Nusenda
Streaming	Chase	-	Citi,CSR(10x),CSP(5x)	-
Target.com (No B&M)	-	-	-	Disc
Walgreens	Disc	-	-	-
Walmart B&M + online	-	-	-	Chase
Walmart.com (No B&M)	-	-	-	Disc
Whole Foods	-	-	Chase	-
Wholesale Clubs	-	Disc	-	-
Wholesale Clubs(No B&M)	-	-	-	Citi

2019:

Category	Q1	Q2	Q3	Q4
Airlines	-	-	Citi	Nusenda
Amazon.com	-	-	-	Disc
Best Buy	-	-	-	Citi
Car Rental	-	-	Citi	-
Chase Pay	-	-	-	Chase
Department Stores	-	-	-	Chase,Citi
Drugstores	Chase	Citi	-	-
Education Expenses	-	-	Nusenda	-
Fitness Club	-	Citi	-	-
Gas	Chase, Citi, Nusenda	Disc	Chase, Nusenda	-
Groceries	Disc, Nusenda	Chase	-	-
Home Depot	Citi	-	-	-
Home Improvements	-	Chase,Nusenda	-	-
Hotels	-	-	-	Nusenda
Lyft & Uber	-	Disc	-	-
Movies	-	Nusenda	-	-
Paypal	-	-	Disc	Chase
Restaurants	-	Nusenda	Disc	Nusenda
Streaming	-	-	Chase	-
Target	-	-	-	Disc
Tolls	Chase	-	-	-
Walmart.com	-	-	-	Disc

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

Stubtify · November 2, 2017, 3:26am

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

scripta · November 2, 2017, 4:51am

Edited for better ASCII art

Griz · November 2, 2017, 5:28am

This does not make any sense on mobile.

scripta · November 2, 2017, 6:06am

how about in landscape mode?

rlaw · November 2, 2017, 6:41am

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

Griz · November 2, 2017, 6:50am

That works but I never browse that way

scripta · January 5, 2018, 12:41am

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

Stubtify · January 5, 2018, 1:06am

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

scripta · January 5, 2018, 1:34am

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…

centrifuge41 · January 7, 2018, 3:35am

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

3c3 · January 8, 2018, 9:10am

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

scripta · January 8, 2018, 10:57am

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.

3c3 · January 9, 2018, 7:45am

[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.

robstrash · January 11, 2018, 2:32pm

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.

meed18 · January 11, 2018, 4:15pm

It’s in the chart as “mobile payments”

shinobi · January 11, 2018, 4:19pm

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.

Badlands · January 13, 2018, 3:29am

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).

dataadmin · January 24, 2018, 4:13am

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

centrifuge41 · January 25, 2018, 9:16pm

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.