1st Quarter Rotating Bonus Categories (Jan to Mar 2018) | Chase Freedom, Discover It & Citi Dividend

Hi there, it’s Ernest from Trip Astute. In
this video, we’re reviewing the new quarterly bonus categories for the Chase Freedom, Discover It, and Citi Dividend card. (light chiming music) It’s that time again to review the
new categories for our rotating bonus credit cards, specifically the Chase
Freedom, Discover It, and Citi Dividend card. I’ll go through each one and share
the new bonus categories. Before we go through each card, I want to let you know
that we put together a wallet size cheat sheet that you can download for free
from our website. If you’re like me and you can’t remember the categories, this
should be helpful. I’ll include a link in the video description below. For the
Chase Freedom card, we’re ending the fourth quarter bonus categories of
Walmart and department stores. Starting on January 1st until the end of March,
you’ll earn 5% on purchases from gas stations, internet, cable, and phone
providers, and all purchases made by mobile payments, including Apple Pay,
Android Pay, Samsung Pay, and Chase Pay. I was a bit disappointed by Chase’s
bonus category last month, especially since they have offered Amazon purchases
in the past year in the fourth quarter. However, I think this quarter’s bonus
categories are pretty solid. Most of us drive, use a mobile phone, or
have an internet connection at home, so this is an easy way to maximize your
earnings with your daily spend. For gas stations, keep in mind that the bonus
only applies to standalone gas stations. Fuel purchases from other stores like
Costco, Sam’s Club, or Walmart do not count toward the 5% bonus, and the fine
print says that truck stops, boat marinas, oil and propane distributors, and home
heating companies are excluded. Also, for the internet, cable, and phone expenses,
keep in mind that the bonus only applies to the service. Any equipment expenses
for payments made in the store won’t count toward the bonus. So, if you were to
buy a phone at the wireless provider’s store, it will not count toward the
bonus. To be honest, I’m super excited about the mobile payments being included
as a bonus category. I’ve been using Apple Pay on my phone at more places, and
I find it easier and faster than using my traditional cards. It seems like more
retailers are accepting mobile payments too, so this should be an easy way to
earn extra points or cash back. For the Discover card, we’re ending the fourth
quarter bonus category of Amazon.com and Target purchases, and entering a first
quarter with a 5% bonus category on gas station purchases and wholesale clubs.
Like the Chase Freedom, there are some restrictions. The fine print says that gas stations affiliated with super stores or supermarkets may not be
eligible, and purchases made with tap-and- pay systems or virtual wallets may not
count as well. So if you’re using an app or a fob to pay for gas, the charge may
not be coded correctly to get the bonus. Lastly, Citi Dividend users are ending the fourth quarter bonus category of Best Buy and department store purchases
and for quarter one 2018, will be receiving 5% at gas stations and
for car rentals. Keep in mind that Citi also states in the fine print that non-standalone gas stations may not qualify, and any car rentals that are not booked
directly with the rental company (for example, with a travel agency or site) may
not qualify either. Make sure you log in and activate the bonus for these cards.
While you can wait until March 14th to activate your Chase Freedom bonus
category since Chase will award the points retroactively, you’re better
off doing it now before you forget. Unfortunately, Discover and Citi won’t
award you a bonus until you activate it. So do it now so you don’t miss out. I’ve
included links to these cards below in case you’re interested in applying. As of
January 2018, the Chase Freedom is offering a $150 bonus and Discover is
offering a cash back match for the entire year, so it’s pretty lucrative.
Also, in case you’re wondering about the Citi Dividend card, it’s no longer
available for new applicants. Just a reminder too that Trip Astute
does get a percentage if you use our links. It doesn’t cost you anything extra,
but it helps us to continue building content for this channel. If you enjoyed
this video or found it useful, please hit the “like” button and consider subscribing.
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and giveaways. Until next time, travel safe and travel smart.

9 thoughts on “1st Quarter Rotating Bonus Categories (Jan to Mar 2018) | Chase Freedom, Discover It & Citi Dividend

  • I was able to test the gas category at Costco using the Chase Freedom and it worked. I received the 5% bonus. Keep up the good work. Very informative videos.

  • I love your videos and very new to cash back rewards and points. I just applied to the chase freedom card yesterday (my birthday) and got approved. I already have the Chase freedom Unlimited card. How do you know what a purchase codes for? For example if I buy a candy bar in a gas station, how do I know if it codes for gas? Thanks in advance

  • I just don't get the Chase pay…Do I need an app? Not sure if my phone is for that…So hoping I can get some various gift cards at my Speedway that i go to….

  • We only use chase freedom!!! But this quarter kinda sucks, but I do like the Apple Pay!! Thanks for the reminder

  • Hi I have slate cridet card and my score is 717 – 725 so what you recommend for me to get instead of slate. Please what is the best cridet card for every thing or even the best two you recommend for me?

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