4th quarter cash back is here and it’s perfectly aligned for holiday shopping! It’s time to reevaluate the cards you are carrying to take advantage of the best 4th quarter 2013 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.
By now, you know exactly how it works: swap out the 2013 3rd Quarter 5% Rewards and maximize your cash rewards for 4th quarter 2013 to make sure you have the right cards, you are signed up for the 5% promotions, and you know where to use them.
4th Quarter 2013 5% Cash Rewards Credit Cards
Citi Dividend. Citi has you covered with the 5% cash back for holiday shopping! The 4th quarter 2013 Citi Dividend 5% categories are:
- Best Buy
- Department Stores
- Toy Stores
Discover it. The Discover 5% cash back for 4th quarter 2013 is also going to get plenty of use this quarter for online shopping! The 4th quarter 2013 Discover More 5% categories are:
- Online Shopping
See the entire 2013 Discover Rewards Calendar.
Chase Freedom. The Chase Freedom card will also offer cash back for holiday shopping. My favorite is Amazon.com! They also included other department stores, but be sure to check the list below for exclusions. The 4th quarter 2013 Chase Freedom 5% categories are:
- Select department stores
Select department stores include: JCPenney, Kohl’s, Macy’s, Nordstrom, Sears, and others.
Which stores aren’t included: Target, Walmart, and Membership Warehouses
See the entire 2013 Chase Freedom Rewards Calendar and the Best Way to Maximize Chase Ultimate Rewards Points.
No Sign Up Needed
And as always, here are the easier cash back categories, since you don’t need to sign up.
|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||Upromise World MasterCard||4% at participating restaurants|
|Target||Target credit card||5% discount|
|Amazon||Citi Forward Card or
|5% cash back
3 points per dollar
|Wireless and Office Supplies||SimplyCash® Business Card from American Express||5% cash back|
|Costco||Fidelity Credit Card||2% cash back|
|Everything Else||Gift cards purchased on American Express
or Gift cards purchased on Ink Bold
or Fidelity Credit Card
How to Get Your 5% Cash Back
Here’s my checklist for rotating cash back programs:
- 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 2013 5% cash back information. In order to earn the 5%, you have to enroll in each program quarterly.
- 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 the 5% cash rewards cards I’m using, here are the ones currently offering sign up bonus offers:
- Hot Free Money Deals: Barclaycard $440+