Today is July 1, and the long-awaited third quarter has officially begun. Here are a few quick reminders:

Credit card 5x cashback/points categories are now in effect

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This quarter, purchases made with Chase Freedom on dining and at wholesale clubs such as Costco and Sam's can earn 5x UR points. Discover it’s 5% categories are Amazon and Home Improvement (such as Home Depot). For details, please see this article.

Netspend 5% interest cap reduced

If you have $5,000 in a Netspend savings account, now is the time to move the extra money out. The balance eligible for 5% interest is now capped at $1,000. We recommend moving the excess funds into another savings account; 1% interest savings accounts from Ally, Discover, and others are also decent options.

eBay Bucks

If you earned eBay Bucks in Q2, they will become usable on 7/3. You have one month to use them; if you can’t spend them in time, you can also buy some eBay gift cards to save for later. Readers are also welcome to share any other reminders.