Q4 every year is peak shopping season, including the famous Black Friday sales. So let’s take a look at which credit cards are best to use this quarter. You can now also activate the bonus categories for the upcoming quarter. The good news this quarter is that the categories for Discover and Chase Freedom overlap very little, so there’s no major collision. Let’s go through the details below.
Chase Freedom
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In Q4, Freedom offers 5x UR points on purchases at Walmart and department stores. This includes stores such as JCPenney, Kohl's, Macy's, Nordstrom, and Sears. Many of these stores also sell gift cards.
Discover it
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In Q4, the Discover it card offers 5% cash back on purchases at Amazon and Target. If you are still in your first cardmember year with Cashback Match, we recommend using your Discover it card.
Citi Dividend
Click here to activate Citi Dividend offers 5% cash back at Best Buy and department stores in Q4. If you do not have a more suitable credit card, you can consider using Citi Dividend. Are you ready for this quarter’s bonus categories?