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"6/3 update: Discover Q3 open register" 2016 5x cash back credit card quarter summary

未分类 ymlulu 1558次浏览 2个评论
Addition to the 1% cash back credit cards in addition to the usual consumption, also provides a number of different back 5 times each quarter, or 1%X5=5% cash back.In a particular category using the corresponding double cash back credit cards, allows us to maximize the money.Of course, if you change a little bit, these quarterly cash back can even cover all consumer categories.To summarize for you today-quarter 5x cash back credit cards and corresponding categories, and how to use this 5 times cash back.

"6/3 update: Discover Q3 open register" 2016 5x cash back credit card quarter summary

0. Update column

"2016/6/3" Discover It Amazon.com,home improvement 5% return register is now open in the third quarter, 7/1 entered into force: registration link

"2016/3/15" the second quarter: Chase Freedom supermarket 5x rebates: an activation link.Discover food and film 5x cash back: activates the link.Citi Dividend pharmacy 5x: activation link.Costco.com is inside the Chase Freedom 5x.So, although Costco stores do not accept Visa cards (freedom visa channels), can be purchased through Costco.com Costco Cash Card you get 5x, then in a Costco store (when using 2% back in to get a Costco membership).

1. 5x cash back in the 2016 quarter summary

Mainly summarized the three most common credit cards, Chase Freedom,Discover It, Citi Dividend

信用卡第一季度
1-3月
第二季度
4-6月
第三季度
7-9月
第四季度
10-12月
Chase Freedom加油,交通
Gas&
Transportation
超市
Grocery Store
饭店
Restaurant
节日购物
Holiday shopping
Discover It加油,交通
Gas&
Transportation
饭店,电影
Restaurants
&Movies
Amazon&Home Improvement Amazon&Others
Citi Dividend家庭装修
Home Depot
Home Furnishing
药店,健身
Drug Store
Fitness Club
希尔顿,租车
Hilton
Car Rental
BestBuy,百货商店

2. Chase Freedom

"6/3 update: Discover Q3 open register" 2016 5x cash back credit card quarter summary

  • First quarter: contains oil, subway and other public transport, and does not include parking, tolls, United States railway.Activated before March 14.
  • Second quarter: contains most of United States supermarkets in China, does not include Wal-Mart, and target.Includes Wholesale Club (Sams,BJs,costco), as well as their official consumption.March 15 to start.
  • Third quarter: dinner, including a variety of restaurants.June 15 to start.
  • Third quarter: yet to be published, will typically Amazon+ department store.September 15 to start.
  • Quarter 5x activation link: Chase Freedom official website
  • The latest activation period: activated before the 14th of the last month of each quarter, every consumer can obtain prior 5x
  • 5x cash back limit: quarter of $1500 can get 5x, then 1x
  • Cash back availability: after each Bill
  • Credit cards: "17.5k open during limited hours card" Chase Freedom
  • Advantage: no annual fee.5x return is UR point, if Chase high-card points can be converted into airline miles and hotel points, each point can exchange the value of 1.6c.5x UR=8% in the equivalent quarter cash back.

3. Discover It

"6/3 update: Discover Q3 open register" 2016 5x cash back credit card quarter summary

  • First quarter: includes refueling, car rentals, rail.Activated before March 31.
  • Second quarter: contains a variety of restaurants, Chinese restaurants.Activated before June 30.
  • Third quarter: Amazon and Home Depot stores.Activated before September 30.
  • Quarter (partly published): Amazon and others (estimates include Department stores, clothing stores).Activated before December 31.
  • Quarter 5x activation link: sign in to your Discover account activation or sign in here: the activation link
  • The latest activation period: activate after starting the 5% cash back
  • 5x cash back limit: quarter $1500 gets 5%, next 1%
  • Cash back availability: after each Bill
  • Credit cards: "send $100, double cash back" Discover IT
  • Advantage: no annual fee.If this is a new application for users, 5% quarterly cash back can be doubled quarterly cash back equivalent of 10%

4. Citi Dividen

"6/3 update: Discover Q3 open register" 2016 5x cash back credit card quarter summary

  • First quarter: a furniture store (IKEA), home supply stores (BedbathBeyond).Activated before March 31.
  • Second quarter: contains the CVS,Walgreen,Rita Aid and other pharmacies.Activated before June 30.
  • Third quarter: Hilton and car rental.Activated before September 30.
  • Third quarter: Bestbuy and department stores.Activated before December 31.
  • Quarter 5x activation link: Citi website activation link
  • The latest activation period: activate after starting the 5% cash back
  • 5x cash back limit: total cash back every year gets $300, next 1%
  • Cash back availability: after each Bill
  • Credit card description: Citi Dividend (cannot apply directly, but you can turn card)
  • Advantage: no annual fee.Quarters no restrictions, 5% category particularly well so a quarter of the time, you can get full year $300

5. How to best use these quarter 5x

5.1 General credit card users

For the average credit card users, understand the categories of these 5x, in the corresponding quarter corresponding card on the line.If you are new users to Discover, refuel with Discover card Chase is better than in the first quarter, because under double cash back, come on 10% of cash back.Discover eat on second quarter, Freedom shopping, Dividend pharmacy purchase.Eat with Freedom in the third quarter.Quarter the credit card is and related to holiday shopping, make good use of it.

5.2 Advanced credit card users

Due to the 5x cash back only one-quarter of a quarter entry into force, even if you have more than a few cards, or unable to cover the annual consumption, such as refueling and supermarkets.At this time, categories that you can convert to realize the 5% cash back in other categories.For example, supermarket with Chase Freedom 5x in the second quarter, when oil-buying card stock used in other quarters, you can let your remaining quarters come on 5x.Citi Dividend is the same in the third quarter, pharmacies also sell gift cards of various other businesses (such as Amazon,eBay).Quarter of department stores such as Sears is selling many other merchant gift cards, also BestBuy also have many.By gift card as the bridge, let you all get the 5% back now!Detailed analysis see:

5.2 MS users

  • Petrol station: 711 has the potential to have a vanilla card, the store code is also gas stations
  • Pharmacy (CVS,Walgreen): PayPal my cash, colored vanilla card
  • Sears,Bedbathbeyond,Bestbuy:200 vgc, PIN

Dividend choice pharmacy best, because fees 1%.Gas station YMMV, no high value vanilla card in many places.Discover new card the first year $200 card with Chase Freedom is worth, if there are new needs.

 





"6/3 update: Discover Q3 open register" 2016 5x cash back credit card quarter summary
"6/3 update: Discover Q3 open register" 2016 5x cash back credit card quarter summary
"6/3 update: Discover Q3 open register" 2016 5x cash back credit card quarter summary
"6/3 update: Discover Q3 open register" 2016 5x cash back credit card quarter summary

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