4th Quarter Rotating Bonus Categories (October to December 2018)

Hey, it’s ]Ernest from Trip Astute. In this
video, we’re covering the fourth-quarter bonus categories for the Chase Freedom,
Discover It, US Bank Cash+ and Citi Dividend card. (light chiming music) I honestly can’t believe
that we’re almost done with 2018. It feels like this year has just flown by.
With us entering the final three months of the year comes time to review our
rotating bonus categories for some of our favorite cash back cards. But first,
if you’re new here, I want to welcome you 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 third
quarter bonus categories of Lyft, Walgreens, and gas stations. Starting in
October, you’ll learn five percent on department
stores, wholesale clubs, and Chase Pay. The five percent bonus applies for up to
$1,500 of qualified spending. Chase has a list online of the
exact stores that qualify as a department store and wholesale club. I’ll
include a link in the video description. Also, the list shows which stores are not
included in these classifications which is very helpful to know. I think the
department store and wholesale club bonus categories are great, especially
with the holiday shopping season. I would have loved to see Amazon included on
that list, but I guess it wasn’t meant to be. Though if you have a Discover card,
you’ll be covered for Amazon, but we’ll discuss that next. The Chase Pay bonus
category is a weird one too. There are more merchants that are accepting Chase
Pay so you might be able to take advantage of this bonus category. Check
out our Chase Pay video for more information on the service and how it
works. I have to admit that I’m not a big fan of Chase Pay, mostly because I can’t
get it to work since I have my business and personal accounts connected. But
Fiona’s used it a few times and has been able to take advantage of some of the
local deals. Also, I’ve heard that using Chase Pay for gas purchases at Shell
stations is pretty seamless. For the Discover It card, we’re ending the third
quarter with the lucrative bonus category
of restaurants. Starting in October, you’ll earn five percent on Amazon.com purchases and
wholesale clubs. Like the Chase Freedom card, the bonus is valid for up to $1,500
of qualified spending. I love the Amazon.com bonus category. I
think it’ll definitely come in handy for holiday purchases, especially with Black
Friday and Cyber Monday deals. The wholesale clubs are nice too, though keep
in mind that some wholesale purchases like travel and cell phone purchases may
not be eligible for the bonus. For the US Bank Cash+ card, we’re not seeing
anything new this quarter. If you’re not familiar with the card, US Bank allows
you to pick your rotating 5% categories every quarter and also has 2% categories
where you can earn unlimited cashback. They even let you earn the 5% bonus on
up to $2,000 of spend per quarter on the combined select bonus categories, which
is even better than the Chase Freedom card. I don’t personally have this card,
but it’s all my list of cards that I’m considering. Lastly, Citi Dividend users
are ending the third quarter bonus category on purchases from airlines and
movie theaters, and for the fourth quarter of 2018, will be receiving five percent at
Best Buy and department stores. Keep in mind that the Citi Dividend card has a
yearly award bonus cap of $300 per calendar year, which means
that you’re not as restricted by a specific quarter’s bonus. You just need to
track how much bonus you’ve earned throughout the calendar year. I wanted to
let you know that, 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 the new categories get set in my brain, so if you’re like me and you need
a little reminder, I’m hoping the cheat sheet comes in handy. I’ll include a link
in the video description below. With all the recent changes with Chase’s Sapphire
cards, I think a lot of folks are considering cash back cards as a simple
and straightforward way to earn money that can be applied toward your travel
expenses. I know my friend Dustin over at Waller’s Wallet is a big proponent of
cash back cards and has a lot of great videos on how to take advantage of a
cash back strategy. While I still love my Chase quinfecta, I
still try to take advantage of the rotating bonus categories whenever
possible. As a reminder, make sure you log in and
activate the bonus for these cards. While you can wait until December 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 award your bonus until you activate it, so do it now so you don’t
miss out. I’ve included referral links to some of these cards in case you’re
interested in applying. As of September 2018, the Chase Freedom is offering a $150 opening bonus and Discover is offering a cashback 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.
Though I believe 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 comments 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 who might also benefit from our
content. Until next time, travel safe and travel smart.

11 thoughts on “4th Quarter Rotating Bonus Categories (October to December 2018)

  • I have maxed out the Chase Freedom bonus categories every quarter so far this year. I hope that I can also max out the Chase Freedom Q4 bonus as well.

  • Thanks for the video. Q4 is usually a flop for me. I product changed a useless AT&T card to the Dividend but I still don't use it much.

  • I got my discover it in April so I be getting double the points I can't wait to start shopping in Amazon and get total 10% cash back

  • Man! 2018 was a BLUR!! Cheers bro and keep up the great videos! Yes, Amazon would’ve been perfect! I’m not a huge fan of chase pay either but we’ll see!

  • Thank you for the pocket size guide. I am now headed to your chase pay video to better understand chase pay so I can maximize spend for Q4

  • Thanks for the update. The Chase Pay fuel workaround with Shell should work for Phillips 66 too. Phillips has the added bonus of rolling back $0.10 cents per gallon at participating stations as well. That should boost up the total value to roughly 8-9% depending on fuel costs.

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