5% Cash Back Categories for Q4 2014

The fourth quarter 5% cash back categories are out for the below credit cards.

Chase Freedom Credit Card

Chase Freedom Credit Card

Chase Freedom Credit Card

Earning Details: 5% cash back on up to $1,500 spent
Period: October 1 – December 31, 2014
Categories: Amazon.com, Zappos.com, select Department Stores

You can sign up here or log into your chase account here, if you can’t find your sign up email. Details for which stores are included and excluded here.

Category activation is also available through text. You can sign up using the above links.
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Deal Alert: $25 for $50 Saks Fifth Avenue Off 5th Vouchers

saksoff5th

 

From Living Social – they currently have a $50 Saks Fifth Avenue Off 5th (saksoff5th.com) voucher for $35. Get an extra $10 off any $30+ deal with promo code SHOPEARLY and get this voucher for $25.

Don’t forget those cashbacks! Currently 9% cashback at BigCrumbs and 6% at Ebates. (All links on this page are my referral links.)

The Online Shopper Card – Discover it Card

Update Oct 3, 2015 – There’s a new sign up bonus right now for $50. Check this post for more details.

After going through all the available credit card options out there, I decided to apply for the Discover it Card.

discoverit  Discover it card is now Discover’s it card. Discover no longer offers any other credit card. The Discover it card gives you 1% cashback on all your purchases. On top of that they have quarterly rotating categories that will offer you an additional 4% making it a 5% cashback bonus (only subject to the first $1500 spent quarterly.)

One of the biggest draw of a Discover credit card is probably their ShopDiscover portal, a shopping hub that gives you a steady 5-20% cashback on top of Discover’s normal 5% cashback rotating categories. This shopping hub is similar to sites like Ebates and BigCrumbs where you get a certain percentage for each purchase, but made easier to redeem when it’s part of your credit card’s normal rewards.

Reward redemption also has a few flavors as well. If you choose to redeem as a statement credit, you can only redeem at $50 intervals. Gift cards start at $20.  But the easiest is probably redeeming your rewards at Amazon.com’s checkout page. Here you can redeem your rewards at any value, every $1 cashback is $1 you can use to apply at checkout.

Some other perks I see with this card – no annual fee and no foreign transaction fees. Though this might not be as enticing since Discover is not accepted at many locations aboard. The Discover website has an interactive map that shows you where Discover is accepted internationally.  You also get an monthly FICO score with your statement so you can easily track your credit. And last but not least, the cool factor of carrying a shiny metallic credit card in your wallet. =)

There are 2 different signup offers right now for the Discover it Card. You can get a $150 bonus after a $750 spend in the first 3 months by signing up here (link from Slickdeals). Or if you don’t think you can spend $750, you can also sign up directly through Amazon to get a $100 gift card credit after your first Discover it card purchase (though the reviews seems to be quite conflicting).

Currently from October to December, the rotating categories are for all online purchases and department store purchases are a 5% cashback bonus. Made even better with the Shop Discover.

The Simple Cards – Capital One Quicksilver and Citi Double Cash Card

Here are two of what I call the “simple no brainer” credit cards. Get a good steady cashback without jumping and keeping track of crazy hoops.  Best of all they’re free to keep in your wallet so there’s no excuse to not get a consistent cashback for all your purchases.

Capital One Quicksilver Card

capitalquicksilver The Capital One Quicksilver Card offers a 1.5% cashback on all your credit card purchases. No rotating categories, just a consistent cashback. You can redeem your cashback in various amounts as a statement credit or a check. No need to wait for a specific value before you can redeem. A no annual fee credit card that’s also a Visa Signature card, so you can get the Visa Signature benefits/offers too. AND on top of all that, you can turn this into a dedicated travel card because there’s no foreign transaction fees.

The Quicksilver card is slightly different than it’s sister card the Quicksilver One card. The Quicksilver card requires a better credit where as the Quicksilver One card has an annual fee of $39 for people who have average credit.

Currently the Quicksilver card has a signup bonus of $100 after spending $500 in the first 3 months of account opening.

 

Citi Double Cash Card

citidoublecash The Citi Double Cash card is a new credit card that Citibank is offering. It has a slightly different cash back system. The Citi Double Cash card offers a 1% cashback on all purchases made on the card and then another 1% cashback when you make a payment. This card is for those with an average credit or even need to carry a balance. You’ll still earn the additional 1% cashback as long as you make your payments (though that might not work out in your favor with high interest rates.) But for those who always pay in full, this could be your steady 2% cashback credit card.

No annual fee but you can only start redeeming after earning a $25 cashback.

No special sign on bonuses right now but 2% cashback is too rare to come by now.
Anybody currently carrying these cards now? Please share your experiences with redemption and sign up promos.