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Each quarter I put together a list of the 5% cash back on rotating categories. If you have flexibility with the timing of your purchase and you know the purchase category will be on the list for a future quarter, you might want to hold off on your purchase until you can get 5% cash back.
To help you plan big purchases (a big home improvement purchase, airline tickets, a large electronics purchase…) here is the Chase Freedom cash back calendar for 2015.
|1st Quarter||2nd Quarter||3rd Quarter||4th Quarter|
|Grocery Stores (Excluding Target and Walmart)
Cash Back Limits. The 5% cash back is for spending up to $1,500 each quarter in the bonus categories.
Activation. Even though the Chase Freedom 2015 calendar is available in advance, you have to wait to enroll each quarter. Enrollment for each bonus category starts on the 15th of the month prior to the new quarter. For example, for 2nd quarter, you can sign up for the 5% cash back beginning on March 15.
How to activate. To enroll here is the Chase quarterly activation link.
Other calendars. You can use the 2015 Citi Dividend Rewards Calendar and the 2015 Discover It Rewards Calendar to help you plan out your purchases this year. In addition, I’ll still remind you each quarter to switch out your cards and we’ll review all of the cards at once.
Maximize points. Once you earn your rewards, be sure to check out the Best Way to Maximize Chase Ultimate Rewards Points.