Last Days to Maximize These 5X Category Bonuses [EXPIRED]

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Last Days to Maximize These 5X Category Bonuses [EXPIRED]

Million Mile SecretsLast Days to Maximize These 5X Category Bonuses [EXPIRED]Million Mile Secrets Team

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This quarter you can earn 5% cash back at gas stations, Amazon, Kohl’s and more with cards like the Chase Freedom, Discover it, and US Bank Cash+ cards.  But time is running out to take advantage of these bonuses.

That’s because these deals end September 30, 2015, (Wednesday)!

Last Days To Maximize These 5X Category Bonuses
I’ll Explain How to Get the Most Out of These 5% Cash Back Quarterly Bonuses, Before They Expire!

How to Maximize This Quarter’s 5% Cash Back Bonuses!

Here’s a look at where you can earn the category bonuses this month and how to double and even triple dip for more savings before they expire on September 30, 2015.

1.   Chase Freedom

Link:   Activate Chase Freedom Bonus

Link:   2015 Chase Freedom 5X Points Categories

With the Chase Freedom card you can currently earn 5X (5% back) Chase Ultimate Rewards points (on up to $1,500 in spending) at:

Gas Stations

Gas stations often carry gift cards to other stores.  So you can extend the 5X Chase Ultimate Rewards points bonus to other stores and restaurants outside this category.

And of course it’s worth it to fill up your tank 1 last time while you can still earn bonus points!


You can double dip by combining the 5% cash back you’ll earn with the Chase Freedom with sale items at Kohl’s.  And triple dip by earning miles, points, or more cash back by clicking through a shopping portal.

Last Days To Maximize These 5X Category Bonuses
Save Twice at Kohl’s When You Click Through a Shopping Portal and Pay With Your Chase Freedom Card!

2.   Citi Dividend

Link:   Citi Dividend 2015 Cash Back Calendar

Link:   Activate This Quarter’s Bonus Categories

The Citi Dividend card is no longer open to new applications.  However, folks who already have this card, can earn 5% cash back (up to $300 in cash back per calendar year) on:

Direct Airline Purchases

You can use this deal to save even more on the cheap fares I frequently post to places like Paris, Puerto Rico, and Iceland.  These deals are now expired, but follow me on Facebook and Twitter to make sure you don’t miss out on the latest cheap fares!

Last Days To Maximize These 5X Category Bonuses
Find Great Deals on Flights and Pay With Your Citi Dividend Card to Save 5% (on Up to $300 per Year). Plus, You’ll Earn Miles for Your Trip!
Hilton Stays Booked Directly

In addition to earning 5% cash back at Hilton with your Citi Dividend card, you can earn 2X to 3X Hilton points on your stay.  To get the bonus points, be sure to register for Hilton’s fall promotion BEFORE checkout.

3.   Discover it Cash Back Card

Link:   Discover It Cash Back Card

Link:   Discover It Cash Back 2015 Categories & Registration

With the Discover it card the cash back you earn will be doubled at the end of your 1st 12 billing cycles!  This deal is good for new cardholders and folks who previously enrolled.

This quarter you’ll earn 5% cash back (on up to $1,500 in spending this quarter) in the following categories.  And you’ll get another 5% cash back at the end of your 1st 12 billing cycles.

Home Improvement Stores

You can earn 5% cash back at many other places with this category.  That’s because home improvement stores like Lowe’s carry gift cards to clothing stores, book stores, and restaurants.

Last Days To Maximize These 5X Category Bonuses
If You Don’t Have Any Home Improvement Projects Coming Up, You Can Still Use This Category to Save a Total of 10% Cash Back at iTunes, Amazon, Netflix, and More!
Department Stores

You’ll earn 5% cash back at places like Nordstrom, Macy’s, Lord & Taylor, and JCPenney.  Check evreward for the best shopping portal deal you can get for your purchase.

And if you shop at in-store at Macy’s, you can use ApplePay to earn another 10% cash back!

This gives you HUGE savings!  Here’s how it adds up:

  • 5% cash back at department stores (on up to $1,500 in spending)
  • Another 5% cash back at the end of your 1st year (double cash back)
  • 10% cash back for using Apple Pay
  • 10% cash back at the end of your 1st year (double cash back)
  • Total savings = 30% cash back at Macy’s!
Last Days To Maximize These 5X Category Bonuses
If You Spend $1,500 at Macy’s and Pay With Your Discover it Card Using Apple Pay You’ll Save $450!

Whenever you can earn bonus points or cash back at Amazon that also means you can extend your savings to other stores.  That’s because Amazon carries gift cards to restaurants, hotels, and other retailers.

Last Days To Maximize These 5X Category Bonuses
Save 5% on Your Next Hyatt Stay by Purchasing a Hyatt Gift Card at Amazon

4.   US Bank Cash+

Link:   US Bank Cash+ Card

Link:   US Bank Cash+ Categories

You can choose 2 categories to earn 5% cash back (on up to $2,000) with your US Bank Cash+ card.  And you’ll also earn 2% cash back in 1 category of your choice.  But you must select your categories each quarter.

Here’s a look at the categories you can choose from with a few examples, but check the Merchant Examples for more details:

  • Bookstores – Barnes & Noble, Amazon Kindle Books, and some University Bookstores) Note:  Some folks say they’ve received 5% back on many Amazon purchases besides books with this category.
  • Car Rental – Avis, Budget, National Car Rental
  • Cell Phone – AT&T, T-Mobile, Verizon
  • Charity – American Cancer Society, Kiva, The Salvation Army
  • Department Stores – Bloomingdales, JCPenney, Nordstrom Rack
  • Electronics Stores – Best Buy, Fry’s Electronics, TigerDirect
  • Fast Food – Chipotle, Panera Bread, Starbucks, and Cold Stone Creamery
  • Furniture Stores – American Furniture, Ethan Allen, IKEA
  • Gyms – 24 Hour Fitness, Gold’s Gym, LA Fitness
  • Movie Theaters – AMC Theatres,, Regal Cinemas
  • Select Clothing Stores – Ann Taylor, Eddie Bauer, Old Navy
  • Sporting Good Stores – Big 5 Sporting Goods, REI, Sports Authority

You can save more by shopping online and clicking through a shopping portal.

Last Days To Maximize These 5X Category Bonuses
Choose Department Stores as Your 5% Category and You Could Currently Save a Total of 10% at Lord & Taylor by Using the Chase Ultimate Rewards Portal

Bottom Line

You have until September 30, 2015, (Wednesday) to earn 5% cash back in select category with your Chase FreedomCiti Dividend, Discover it, and US Bank Cash+ cards.

You can make the most out of these savings by stacking with coupons, shopping portals, and other deals!

Let me know if you come up with other ways to save big with this quarter’s category bonuses!

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Please update this post so that it is not so misleading. Amazon 5% with Chase Freedom starts Oct. 1. Your headline makes it sound like it’s about to end.