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
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 
- 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:
|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:
- 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.
- 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: