1st Quarter Rotating Bonus Categories (January to March 2019) | Freedom, Discover It & Dividend Card

Hey, how’s it going everyone? Happy
holidays! It’s Ernest from Trip Astute. In this video, we’re covering the 2019 first
quarter bonus categories for the Chase Freedom, Discover It, and US Bank Cash+ card. I hope everyone is enjoying the holidays. I know I say it every quarter, but I honestly can’t believe that the year is nearly over. For the
start of the new year comes time to review our rotating bonus categories for
some of our favorite cash back cards. But first, if you’re new here, welcome to our
channel. Trip Astute is a Travel Channel that is focused on sharing ways to make
travel easier, affordable, and more enjoyable. Traveling can be stressful and
expensive, so we’re looking for ways to help you maximize your experience
through travel tips, points and miles, and innovative gear. If that sounds
interesting to you, please consider subscribing. For the Chase Freedom card,
we’re ending the 2018 fourth quarter bonus categories of department stores,
wholesale clubs, and Chase Pay. Starting in January, you’ll earn 5% on
gas stations, drugstores, and tolls. The 5% bonus applies for up to $1,500 of
qualified spending. The bonus category of tolls is a bit quirky, but I know it’ll
be useful for folks with quick pass readers that accept credit card payments.
In fact, you might even consider loading up your account with funds in order to
maximize the quarterly benefit. For gas stations, keep in mind that the bonus
only applies to stand-alone 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. And finally, drugstores is a useful category
especially since they sell a lot of items including gift cards. Again, like
other bonus categories, just be careful of what qualifies as a drugstore. In
general, standalone stores will definitely count, but pharmacies inside
of supermarkets or wholesome clubs are usually excluded. For the Discover It
card, we’re ending the fourth quarter bonus categories of Amazon.com purchases
and wholesale clubs, which was awesome. Starting in January, you’ll earn 5% on
purchases at grocery stores excluding purchases at Target and Walmart.
Like the Chase Freedom, the bonus is valid for up to $1,500 of qualified spending.
With the grocery-store bonus category, you also want to be careful with the
type of stores that qualify. Standalone grocery stores are generally included,
but convenience stores, gas stations, warehouse clubs, discount stores, and
supercenters are not eligible. Since these places are not standalone
grocery stores, the charges are encoded differently, which means that you won’t
earn the bonus. Discover actually did an interesting thing and released their
entire bonus calendar for 2019. I’m curious to see whether this will
pressure the other rotating bonus card issuers to share their calendars as well.
If anything, it’s nice being able to see ahead and plan accordingly. I’m excited
to see gas purchases, restaurants, ride-sharing, and Amazon.com as bonus
categories in 2019. For the US Bank Cash+ card, we’re not seeing anything
new this quarter. If you’re not familiar with this card, US Bank allows you to
pick your rotating 5% categories every quarter and also has two percent
categories where you can earn unlimited cash back. They even let you earn the 5%
bonus on up to $2,000 of spend per quarter on the combined selected bonus
categories, which is even better than the Chase Freedom. I just got this card, so
I’ll likely be selecting gym and home utilities as my 5% categories for this
new quarter. Lastly, I’m not including an update on the Citi Dividend card, only
because at the time that I’m recording this video, they have not published their
2019 calendar. It’s possible that they will publish it by the time this video
is released, so I’ll make sure to add it to our cheat sheet. I apologize for the
inconvenience, we’re traveling to the UK for the holidays so I needed to record
some videos ahead of time so I can edit them on the plane. As always, we put
together a wallet-size cheat sheet that you can download for free from our
website. I know it takes me a while before these new categories get set in
my brain, so I’m hoping these come in handy. I’ll include a link in the video
description below. As a reminder, 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, US Bank, and Citi won’t reward you a bonus until you
activate it, so do it now so you don’t miss out. In case you’re interested in
applying, I’ve included a link to our revamped credit
offers page. We’ve partnered with CardRatings.com so any sign-ups that go
through our site helps to support the channel, especially when it comes to new
equipment and storage for our videos. As of December 2018, the Chase Freedom and
US Bank Cash+ are offering a $150 welcome bonus, and Discover is offering a
cash back match for an entire year, so it’s pretty lucrative. In case you’re
wondering about the Citi Dividend card, it’s no longer available for new
applicants, but you can still get it through a product change from another
Citi card. What do you think of the new quarterly bonus categories? Are you
excited or disappointed by them? Let us know in the comment section below. We
hope you enjoyed this video and found it useful. If so, please give us a thumbs up
and consider sharing our video with others. It really helps us to grow the
channel and build our community. We hope you have a wonderful holiday season.
Until next time, travel safe and travel smart.

7 thoughts on “1st Quarter Rotating Bonus Categories (January to March 2019) | Freedom, Discover It & Dividend Card

  • I maxed out all 4 quarters for 2018 for Chase Freedom. For Q1 2019 Getting Steam, Playstation, Amazon and Restaurant gift cards at Drug Stores as well as Gas should make it easy to max out on Q1 for Chase Freedom.

  • Discover member since 1998 very cool but the category of grocery store isn't useful to me as I can use cash or write a check. Grocery stores is that what credit cards were invented for?

    I love chases first quarter Drug stores, gas stations and tolls how awesome is that a lot more awesome than Grocery stores.

    so you just got the US Bank card how do you like it so far? are you chasing points like are you doing the sign up bonus?

    I just got this card too first quarter I will be using it for movies and fashion limited clothing stores.

    Citi's category's rock when I see Home Depot I actually looking at channels and Rickels? gas is self explanatory.

    I have questions for you what do you think about tolls? I think it's not fair to the people who live in smaller area's like Utah, San Antonio , Nebraska, Portland as they only have 2 category's . a category should be for all people like travel and entertainment where nobody is being excluded.

    when you have category's like Whole sale clubs , tolls and grocery stores not every place has these category's City's don't have grocery stores?
    I think all category's should be mutal?

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