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.