We've already been alerted to TWO Q4 2023 5% offers for:
- Chase Freedom: PayPal, Wholesale Clubs, Select Charities
- Discover: Amazon & Target
Doctor of Credit has included additional information, activation links and more. I always look forward to this and have added it to
Post #3 Amazon & Credit Card Offers.
Q4 2023 5% Quarterly Categories
Activate, Offers & Suggestions
October 1st – December 31, 2023
by
Doctor of Credit
Chase Freedom: PayPal, Wholesale Clubs, Select Charities
Activation Link /
FAQ /
Sample Stores & Exclusions /
Our original post
- PayPal: Should work for any purchase with PayPal payment. This is always a easy and useful category given that many/most online retailers accept PayPal, e.g. Walmart, Target, Best Buy, etc.
- I sometimes pay my taxes with a credit card via Paypal to trigger this category, read more about paying taxes with a credit card in this post.
- Some people might find it worthwhile to swallow the 2.9% PayPal fee and max out this category by paying family or friends with their Freedom card. Just note the fine print technically excludes this: “Person-to-Person (P2P) transactions made with your Chase Freedom card on PayPal may be prohibited or not eligible for 5%.”
- You can also do your year-end charitable giving with Paypal payments on many charities, or to almost any charity with Paypal Giving Fund.
- Readers note that if you use the Freedom Flex via PayPal at Dining or Drugstores you’ll end up getting 7x due to the extra 2x bonus the card has on those categories.
- Wholesale Clubs: Should work for Costco, Sam’s Club, BJs, and similar.
- Bear in mind, Costco in-club only accepts Visa cards; online you can use Mastercard as well, and you can even order Costco Cash Card for use in-club. Also note, you can exchange CC egift for physical cards to buy gas at Costco.
- You can buy Sam’s Club gift cards at the club or online which can then be used at Walmart or Walmart.com or Walmart gas. (Or you can buy Walmart e-gift cards from Paypal Digital Gifts which also earns 5x as part of the Paypal category.)
- Some wholesale clubs sell third-party gift cards or even Visa gift cards.
- Exclusions: “Gas, fuel, wholesale specialty service purchases such as travel, insurance, cell phone and home improvement will not qualify in this category. Mastercard not accepted at Costco warehouses or at gas stations.”
- Select Charities Includes: American Red Cross, Equal Justice Initiatives, Feeding America, Habitat for Humanity, International Medical Corps, International Rescue Committee, Leadership Conference Education Fund, NAACP Legal Defense and Educational Fund, National Urban League, Thurgood Marshall College Fund, United Negro College Fund, UNICEF USA, United Way, World Central Kitchen
GLSEN, Out and Equal, Sage.
Tip: Click
this link (login required) to check how far you are along the $1,500.
Tip: Click
this link (login not required) to see if you were
targeted for
Chase Bonus Offers.
Discover: Amazon & Target
Activation Link /
Our original post
With your Discover card, activate to earn 5% back this quarter on up to $1,500 in purchases on
Amazon.com and at Target.
- Amazon.com
- Target – Not very useful for someone who already has the 5% Target REDcard. It can still be useful for buying Target gift cards at Target which do not earn 5% on the Target REDcard.
Activate to earn 5% Cashback Bonus at
Amazon.com and Target from 10/1/23 (or the date on which you activate 5%, whichever is later) through 12/31/23, on up to $1,500 in purchases.
Amazon.com purchases include those made through the
Amazon.com checkout, like digital downloads, Amazon Fresh orders, Amazon Local Deals, Amazon Prime subscriptions, and items sold by third party merchants through
Amazon.com’s marketplace. This also includes purchases in-store at Amazon Go. Amazon, the
Amazon.com logo, the smile logo and all related marks are trademarks of
Amazon.com, Inc. or its affiliates. Target purchases include those made in store at Target,
Target.com, or through the Target app. Purchases from individual merchants and stand-alone stores within physical Target locations may not be eligible for this promotion. Purchases made online or through the Target app from Target affiliates, individual merchants or stand-alone stores may not be eligible for this promotion, including, but not limited to,
targetoptical.com and
targetphoto.com.
Tip: Login, then click
this link to see you how far along the $1,500 you are.
And no changes for the following:
Bank of America Customized Cash Rewards
Our Original Post
The Cash Rewards card from Bank of America offers 3% back on one selected category, up to $2,500 per quarter. If you don’t select anything it defaults to gas. Once you selected a category for one quarter, that remains your category in the future unless you change it. Each calendar month you can change it if you’d like, but you’re always limited to $2,500 for the entire quarter.
Citi Dividend Q4 2023
Landing Page
With your
Dividend card, activate to earn 5% back this quarter at ADD ME. Citi is different than the other cards in that you have a $6,000 annual cap rather than a $1,500 quarterly cap. You can get 5% back on up to $6,000 in this quarter or you can save the entire amount for a different quarter, or you can use part up each quarter.
US Bank Cash+/Elan: Select your Categories
Activation link |
Merchant List |
Our Original Post
U.S. Bank Cash+ and
Elan Max offer 5% cash back in two categories, up to $2,000 combined total per quarter. Keep in mind that
Car Rentals was recently replaced with TV, Internet, and Streaming Services.