Chase, Citi, Discover, American Express Credit Cards 5% Cash Back Categories – Quarter IV 2014

by Hu$tler on October 7, 2014

in Credit Card bonuses

Below chart gives you the 5% Cash Back Quarterly Categories  for Chase Freedom, Discover It, & Citi Dividend. I also added the year round 5% in office supply stores and cable bundled services with the Chase Ink Plus, Chase Ink Bold, and Chase Ink Cash. For American Express, you can get the SimplyCash Business Card or the Blue Cash Preferred to earn 5% or 6% in their respective categories below.  You should know that Chase, Discover, and Citi open up enrollment for the bonus categories about two weeks before the new quarter begins. Here are the categories that will be earning 5% cash back for the Quarter IV 2014.

Editor’s Choice Featured Cash Back Credit Card:

Citi Double Cash CardCiti® Double Cash Card offers unlimited 1% cash back on all of your purchases when you buy and an additional 1% cash back as you pay for those purchases, whether you pay in full or over time. Unlike the Amex Fidelity card, you don’t need to apply for an extra account to get your cash back. The Citi Double Cash has no restrictive categories and no limits on the amount of cash back that you earn. Cards that offer 2% cash back usually don’t come around often so I strongly suggest to apply ASAP. You will also get 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness. Some people will claim this is a 2-percent-cash-back card, but this may not be truly accurate. Let me explain: If you redeem your rewards for a statement credit, it will reduce the amount you owe by 1%, therefore the amount you can earn rewards on when you pay the rest of the bill. The math works out something to be like 1.99% cash back! Best of all, there is No Annual Fee! Apply NowCiti Double Cash Card Review

2014 Quarter IV Credit Cards 5% Cash Back Categories

Credit Card
Cash Back Limits
5% Cash Back Categories
Sign-Up
Chase Freedom®
($100 bonus)
Up to $1,500/quarter spent in bonus categories-Amazon.com
-Zappos.com
-Select Department Stores
Activation
Review
Discover it® Card$1,500 spent in purchases in bonus categories-Online Shopping
-Department Stores
Activation
Review
Citi® Double Cash CardUnlimited-2% Cash Back on All PurchasesReview
Citi® Dividend Platinum Select® Visa® CardUp to $1,500/quarter spent in bonus categories-Best Buy
-Department Stores
-Toy Stores
Activation
SimplyCash® Business Card from American Express ($250 statement credit requires $5,000 in qualifying purchases over the first 6 months, and that the application must be received by February 24, 2015.)Up to $25K in purchases per rebate year, and then 1% thereafterYear Round
-Wireless services directly from US providers
-U.S. Office supplies
Review
Ink Plus® Business CardUp to $50K in purchasesYear Round
-Office Supply stores
-Cable bundled services
Review
Chase Ink Cash® Business Credit Card
($200 cash bonus)
Up to $25K in purchasesYear Round
-Office Supply stores
-Cable bundled services
Review
Blue Cash Preferred® Card from American Express ($150 Statement Credit)Up to $6K- 6% cashback Year Round 6%
-Supermarkets
Review
More

{ 7 comments… read them below or add one }

John E October 10, 2013 at 8:02 pm

does anyone pay better than 1%on medical bills

Reply

Chris December 27, 2012 at 4:15 pm

My Chase confirmation for the 5% categories says Gas Stations, Drugstores and Starbucks for Jan 1 to March 31, not restaurants and Amazon.

Reply

Hu$tler January 3, 2013 at 9:53 pm

thanks. the error is fixed.

Reply

MAC October 6, 2012 at 3:22 pm

US Bank Cash+ card (relatively new) has one 2% cash back category (drug, gas, groceries) every quarter and 2 5% cash back categories every quarter. Up to you to pick the categories every quarter. 5% cash back categories include Bill Pay (utilities, insurance, internet/cable), airlines, hotels, etc. So far, the same category choices have been available every quarter but T&Cs state they can change.

Reply

John F. March 11, 2013 at 2:01 am

Yes, US Bank Cash+ should be added to the table. Another is the Sallie Mae World Mastercard. 5% cash back year round (remitted as statement credit, student loan payment, or upromise deposit) on grocery, gas, and bookstore purchases, with $250, $250, and $750 monthly caps, respectively. 1% on everything else.

Reply

Joe February 26, 2012 at 10:52 pm

Chase Ink ended their 5% last I checked, Its 3% now I think.

Reply

Hu$tler February 27, 2012 at 3:28 pm

Nope, it’s still 5%. You can see it once you click through the link.

Reply

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