Q4 Wrap Up
You’ve got a short two weeks or so left to finish up 5x spend on existing rotating category cards. As a reminder, Q4 looked like this:
- Chase: PayPal and Walmart
- Discover: Amazon and Digital Wallets
- US Bank: You chose these, for me it was utilities
- Citi Dividend: Restaurants and most travel
Q1 2023 Preparations
Now that you’ve knocked out, it’s time to get ready for 2022.
Chase
Do this now: Register for Q1 5x bonus categories on Freedom and Freedom Flex cards. The categories:
- Grocery stores that don’t rhyme with Saulmart
- Gyms and Fitness clubs, or certain Sweat stores
- Target
Manufactured spend recommendations:
- Visa and Mastercard gift cards with liquidation via money order, BravoPay, or similar
- The Sweat store
- Bulk third party gift cards for resale (Best Buy, Apple, Home Depot, etc) during periodic promotions
Discover
Do this now: Register for Q1 5x bonus categories on the Discover IT card. Categories:
- Grocery stores, even those that rhyme with Saulmart NM
- Drug Stores
- Select Streaming Services
Manufactured spend recommendations:
- Visa and Mastercard gift cards with liquidation via money order, BravoPay, or similar
- Bulk third party gift cards for resale (Best Buy, Apple, Home Depot, etc) during periodic promotions
US Bank
Do this now: Choose your Q1 5x bonus categories on the Cash+. Best options in my opinion:
- Utilities
- Electronics stores
- Ground transportation
Manufactured spend recommendations:
- Look for the Sweat company’s rideshare option
- Prepay your utility bill, or maybe take that further
Citi
Do this whenever Citi feels like getting their Q1 act together: Register for your Q1 5x bonus categories. What could these be? No one outside of Citi knows yet, so let’s make some wild guesses:
- Emu farms
- Custom marble jewlery
- Select specialty coaster stores
Manufactured spend recommendations:
- Invest in SideShowBob233’s emu farm at sideshowbob233.com
- Consider that maybe Citi is better on the demand side rather than the supply side and spend on whatever
SideShowBob233’s non-stock image emu farm, open for investments.