4th quarter cash back is here and it’s focused on holiday shopping, specifically at Amazon.com for multiple cards! It’s time to organize, activate and put your cards into a regular rotation. In addition, now that we have the opportunity to double our Discover it Cashback to 10%, including the huge Apple Pay 10%-20% Cashback Bonus the Discover card will be big in quarterly rotations!
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 2015 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 2015 5% Rotating Cash Rewards Credit Cards and maximize your cash rewards for 4th quarter 2015 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 2015 5% Cash Rewards Credit Cards
Discover it. The Discover 5% cash back for 4th quarter 2015 includes Amazon.com for the second quarter in a row! Don’t forget you earn double your 5% to 10% cash back if you are a new cardholder or signed up earlier this year! Here’s more information on the Discover it 10% Double Cashback. The 4th quarter 2015 Discover it 5% categories are:
- Clothing Stores
- Department Stores
See the specific details for the Discover it Apple Pay 10%-20% Cashback this quarter.
Chase Freedom. The Chase Freedom card is also featuring 5% cash back on Amazon this quarter! The 4th quarter 2015 Chase Freedom 5% categories are:
Chase Freedom 5% cash back is on up to $1,500 in purchases. Here’s the place to activate your 4th quarter Chase Freedom rewards. See the entire 2015 Chase Freedom Rewards Calendar and the Best Way to Maximize Chase Ultimate Rewards Points.
Citi Dividend. Citi 5% cash back this quarter is also focused on holiday shopping. The 4th quarter 2015 Citi Dividend 5% categories are:
- Best Buy
- Department Stores
Citi 5% cash back is on up to $300 cash back per calendar year ($6,000 in purchases). Here’s the place to activate your 4th quarter Citi Dividend rewards. See the entire 2015 Citi Dividend Rewards Calendar.
US Bank Cash +. Don’t forget you need to pick your 5% categories each quarter for the US Bank Cash + card. Here are some of the 5% cash back choices:
- Gym & Fitness Centers
- Cell Phone
- Various Stores (Clothing, Department, Sporting Goods, Electronics, Furniture and More)
You need to select your categories five days before the end of the current quarter. US Bank 5% cash back is earned on your first $2,000 in combined net purchases (purchases minus returns or credits) in your chosen 5% categories. Here’s the place to activate your 4th quarter Cash Plus 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
or American Express Old Blue Cash Card
or Sallie Mae MasterCard
|6% cash back (up to $6,000 per year)
|Gas||American Express Old Blue Cash Card
or Sallie Mae MasterCard
|Restaurants||Citi Thank You Premier Card||2 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|
|Internet and Cable||Chase Ink Plus||5x rewards points|
|Costco||Fidelity Credit Card||2% cash back|
|Charitable Donations||U.S. Bank FlexPerks® Business Travel Rewards Visa® Card||3x points|
|Choose Your Own Categories||SimplyCash® American Express||3%|
|Everything Else||Fidelity Credit Card
or 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 2015 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!
- To keep the list of cards straight, I also began printing out a quick cheat sheet to slip in each of our wallets.
Sign Up Bonuses
All of the links for current sign up bonuses are now listed in our credit card directory. Others are below: