4th quarter cash back is here and it’s focused on holiday shopping! I just finished claiming my $1450 Cashback from Discover and activating all our new accounts from my $2,075+ Application Spree to Stockpile 0% Credit Cards. Now it’s time to get all the cards organized and integrated into our regular rotation.

Reevaluate Quarterly Cash Rewards

It’s our quarterly check-in to reevaluate the cards we are carrying to take advantage of the best 4th quarter 2014 cash rewards credit cards bonuses. Every quarter we reevaluate the cash back cards to make sure we get the highest cash back on each purchase including the credit cards that offer cash back on a rotating quarterly schedule.

As you switch out your cards, don’t forget to follow up on all your rewards and make sure you are earning the right cash back and maximizing all of your purchases.

We do the same swap every quarter, so you know exactly how it works: take out the old 3rd Quarter 2014 5% Rotating Cash Rewards Credit Cards (be sure you maximized all your 3rd quarter categories you need!) and maximize your cash rewards for 4th quarter 2014 to make sure you have the right cards, you are signed up for the 5% promotions, and you know where to use them.

Once again, we included the direct links to activate all of your 5% quarterly rewards!

4th Quarter 2014 5% Cash Rewards Credit Cards

Discover it. The Discover 5% cash back for 4th quarter 2014 is for holiday shopping! Obviously, the timing is perfect since the holiday shopping season is about to begin! The 4th quarter 2014 Discover More 5% categories are:

  • Online Shopping
  • Department Store purchases

Here’s the place to activate your 4th quarter Discover rewards. See the entire 2014 Discover Rewards Calendar.

Chase Freedom. The Chase Freedom card will also be featuring 5% cash back on holiday shopping this quarter! The 4th quarter 2014 Chase Freedom 5% categories are:

  • Amazon.com
  • Zappos.com
  • Select Department Stores (Don’t forget to review the list when you activate your bonus!)

Here’s the place to activate your 4th quarter Chase Freedom rewards. See the entire 2014 Chase Freedom Rewards Calendar and the Best Way to Maximize Chase Ultimate Rewards Points.

Citi Dividend. Citi has the rest of the holiday shopping covered with 5% cash back on Best Buy and other department stores. The 4th quarter 2014 Citi Dividend 5% categories are:

  • Best Buy
  • Department Stores
  • Toy Stores

Here’s the place to activate your 4th quarter Citi Dividend rewards.

No Sign Up Needed

And as always, here are the easier cash back categories, since you don’t need to sign up:

Category Card Cash Back
Grocery Stores Blue Cash Preferred® Card from American Express 6% cash back (up to $6,000 per year)
Gas TrueEarnings® Card from Costco and American Express 3% cash back (up to $4,000 per year)
Restaurants Citi Thank You Premier Card 3 ThankYou Points for every $1
Target Target credit card 5% discount
Amazon* Amazon Visa or
Citi Forward Card (college students only)
3% cash back
5% cash back
Wireless and Office Supplies SimplyCash® Business Card from American Express 5% cash back
Costco Fidelity Credit Card 2% cash back
Travel Barclaycard Arrival Various
Charitable Donations U.S. Bank FlexPerks® Business Travel Rewards Visa® Card 3x points
Choose Your Own Categories SimplyCash® American Express
or US Bank Cash Plus
Everything Else Gift cards purchased on American Express
or Fidelity Credit Card
or New Citi Double Cash
or Barclaycard Arrival

*I left the categories on the grid for those currently in rotation. Readers requested that I leave them on as a backup for which card to use once they’ve exhausted their rotating rewards.

How to Get Your 5% Cash Back

Here’s my checklist for rotating cash back programs:

  1. Sign up for all of the new quarterly cash back programs, even if you don’t know if you’ll use that card. To sign up, just log in to your account online and select the 4th quarter 2014 5% cash back information. In order to earn the 5%, you have to enroll in each program quarterly.
  2. Write which categories to use each card for using a marker on the front of the card. It works really well to keep the cards straight!

Sign Up Bonus Offers

If you don’t have some of the cash rewards cards I’m using, here are the ones currently offering sign up bonus offers:

If you're looking for a new credit card, be sure to check out our credit card directory!

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Comments to New 4th Quarter 2014 5% Rotating Cash Rewards Credit Cards

  1. Thanks for the reminder. Registered my Chase card for groceries and set reminder to switch my gas purchases (speed pass) to switch back to AMEX Costco card from the Chase card at start of Oct.

    As for dining, shame not many takes Discover. Will have to continue to use AMEX Costco card for 3%.


  2. Schwab killed their credit card programs effective Oct. 1st, 2010. :-(



    • Shawn,

      Right they did end the sponsorship, thanks for the reminder. Talk about a bummer.

      However, FIA is still running the 2% cash back… the important part! So I’ll still keep using it until that part goes away.

      Have you found out what the replacement card will be named?


  3. I have 2 Citi Dividend cards (1 MC and 1 AMEX) and have been with them since 2004. I purchased just under $5000 in new kitchen appliances when we moved into our new home in May 2011. I purchased the appliances online via the GE store and Citi refused to give me the extra 4% cashback on the purchases because the way the transaction was sent to them from the GE site; in a way that it did not fall under any of the home improvement categories. I called and emailed several times, even explaining that I would submit my receipts. Even though they ‘escalated’ the request, they did nothing stating they “are limited in our ability to assist with your request.” I bought appliances and that is clearly in the home improvement categories description of the Q2 2011 promotional incentive. What a joke. I am not using my Citi cards ever again…


  4. Note, for AMEX Costco Card, in the latest June statement, they announced they will be lowering the rebate for dining from 3% to 2%


    • Oh no, Wayne! I haven’t gotten my statement yet, so I didn’t know they were changing it. That’s a bummer they’re lowering it, since it really was the best dining rebate around.


      • This is at bottom of the statement,
        The TrueEarnings Program
        With billing periods starting in August 2011, we are reducing the reward percentage earned for eligible purchases at restaurants from 3% to 2%. Accordingly, effective with your billing period starting in August 2011, in the Supplement to the Cardmember Agreement describing How Your Reward Program Works, “3% for eligible purchases at restaurants” is deleted and replaced with “2% for eligible purchases at restaurants”. However, if your
        account was opened between August 1, 2010 and July 31, 2011, you will continue to earn 3% on eligible purchases at restaurants until the start of your 13th billing period. You will then earn 2% on eligible purchases at
        restaurants as described in the Agreement.


  5. am ex blue cash doesn’t recognize walmart for groceries or prescription purchases


  6. Thnaks for the roundup! I’ve used the strategy of rotating credit cards myself to earn greater cash back.


  7. Thanks for the reminder!


  8. thank you. i love getting cash back on my purchases. the only thing i love more is getting a discount beforehand (don’t have to worry after that). chase is looking good to me now.


  9. Hi again. Maybe you can help?? I tried to purchase Gift cards in my 4 grocery stores in my area (shop rite-A and P-Hannaford and Stop and Shop)with my amex preferred.These are all full line huge stores. I did find Subway and Bed Bath and Beyond, But where do you find cards from Walmart Kmart and CVS in grocery stores?(for the 6%) They all have the same ones. Except that this quarter you can get the 5% on drugstores from Chase. But are drugstore and walmart cards sold only in their own stores? Thanks


  10. Pretty weak categories this month, hopefully one of them decides to make some changes!

    William Charles

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