Roundup of 5% Bonus Category Calendars for Chase Freedom, Citi Dividend & Discover it
The three major 5% cashback credit cards have released their 2016 quarterly bonus categories for the most part. Let’s look at the 2016 calendars for Chase Freedom, Citi Dividend and Discover it and see if we can spot some opportunities!
Chase Freedom 2016 Bonus Categories Calendar
As you can see, gas and transportation is going to start off the year. This wouldn’t be terrible except that Discover has the same categories in Quarter 1 as you will see a little later. I do love that Chase has kept the grocery store category in Quarter 2 since it is the easiest to maximize in my opinion.
While we don’t know the full details of Quarter 3 or Quarter 4, my guess is that entertainment will accompany restaurants and look for holiday shopping to probably include department stores and Amazon.com. Just a guess. You can find the calendar here.
Citi Dividend 2016 Bonus Categories Calendar
Citi Dividend is unique to either the Discover it or Chase Freedom cards since you can earn all of your cashback ($300) total any time during the year. That means you aren’t stuck to any one quarter’s categories. With that said, look at Quarter #2. That should make it relatively easy for a lot of people to max this out.
If not, then you still have department stores, Home Depot and Best Buy to help you out. All of those stores not only carry ample goods for normal purchase, but they all generally carry Visa gift cards which can be loaded to Bluebird or Serve. The Dividend card isn’t available to the public anymore, but you may be able to product change over another card to it. You can find the calendar here.
Discover it 2016 Bonus Categories
Discover hasn’t been as kind as the other two banks in releasing information. With all of their promotions, I have noticed a severe drawback in how generous Discover is. Their portal terms are constantly becoming more restrictive and hassles when using Apple Pay are more common. For that reason I don’t expect Quarters 2-4 to be especially good but who knows.
The Quarter 1 category is basically the same as what Chase is offering for the Freedom card. This sort of stinks, especially for people who don’t have the ability to MS at a gas station. Still, I know there are opportunities for many, especially those with the Double Cashback promotion. You can find the calendar here.
None of these categories are life changing, but there are a couple of things that I am happy about. The Citi Dividend should be very easy to maximize this year and Chase has quite generously kept the grocery store category when the other banks have removed it. Now if I could only find a generous gas station, then things would really be looking up!