If you hold a Chase Freedom Flex, Citi Dividend, Discover Cash Back or U.S. Bank Cash+ Visa Signature card, it’s time to activate your quarterly rotating category rewards. You can easily activate your quarterly bonus rewards on all of these cards from this page.
| Card | Q4 Category Bonus | Activate Link |
| Chase Freedom Flex | Earn 5% cash back on up to $1,500 in combined purchases at Walmart and PayPal. | Activate at chasebonus.com. |
| Citi Custom Cash | Earn 5% cash back on your top eligible spend category up to $500 spent each billing cycle. | No activation needed. |
| Citi Dividend | Earn 5% cash back at restaurants and select travel. Your total annual cash back is limited to $300, including bonus cash back. | Log in to your account to activate your 5% cash back offer at citi.com. |
| Discover it Cash Back | Earn 5% cashback bonus at Amazon.com and digital wallets, October 1-December 31, 2022, on up to $1,500 in purchases. | Log in and activate at discover.com. |
| U.S. Bank Cash+ Visa Signature Card | 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose | Sign in to activate your Cash+ categories at usbank.com. |
Chase Freedom Flex (and Chase Freedom)
The Chase Freedom Flex category bonus for Q4 2022 is Walmart and PayPal. You will earn 5% cash back on up to $1,500 in combined purchases made at Walmart and PayPal.
How to activate your Chase Freedom Flex quarterly category bonus
To activate your quarterly bonus head over to Chase’s website, enter your card information and receive confirmation of your activation. Current cardmembers may also have received an email from Chase with a link to activate quarterly cash back categories.
You must activate Chase Freedom Flex categories by December 14, 2022
How to maximize your bonus
PayPal – Many online merchants accept PayPal as a payment method. Look for an option to use PayPal during checkout to earn 5% anywhere that accepts PayPal.
Walmart – In addition to pretty much everything under the sun, Walmart sells a variety of specialty gift cards. If you purchase a gift card for a merchant you frequent, you can effectively earn 5% cash back on your purchase at that merchant.
Citi Dividend
The Citi Dividend card isn’t available to new cardmembers, but those lucky enough to hold this card can earn 5% back at restaurants and on select travel this quarter.
How to activate your Citi Dividend quarterly category bonus
To activate your Citi Dividend quarterly cash back bonus, log in to your account at citi.com, select your card and click on “Sign-Up Now.” The exact place to sign up will differ depending on how you log in to your Citi account online, but the above link will take you directly to where you want to go.
How to maximize your bonus
The Citi Dividend card has a unique quirk in how it posts rewards that you can use to your advantage. Purchases qualify for 5% cash back rewards based on the purchase posting date, but the awards are earned on the statement closing date. This is something to be aware of during the last few weeks of Q4, as your rewards will count toward the card’s $300 annual cap on rewards based on the statement closing date.
This means that you can potentially take advantage of Q4 bonus categories even if you have already exceeded your annual $300 cap on rewards earnings.
For example, if your statement closing date is on the 15th of the month and you make a purchase in a 5% category that posts to your account on the 20th of December, that purchase will qualify for 5% rewards based on the Q4 categories, but will count toward the following year’s $300 cap on total rewards.
Citi Custom Cash
The Citi Custom Cash card earns 5% cash back on your top eligible spend category, up to $500 spent each billing cycle. You don’t need to activate the card or worry about selecting categories; the 5% reward is automatically applied to your top spending category among eligible categories, which include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.
Discover it Cash Back
Discover’s Q4, 2022 category bonus includes Amazon.com and digital wallets. You will earn earn a 5% cash back bonus at Amazon.com and digital wallets, October 1-December 31, 2022, on up to $1,500 in purchases.
How to activate your Discover quarterly category bonus
To activate your quarterly bonus you must log in to you account at discover.com and activate your bonus.
You will earn additional cash back only for purchases made after you activate your bonus categories.
How to maximize your bonus
Amazon – A lot of people use Amazon year-round. If you don’t hold another credit card that earns 5% back at Amazon.com, you could consider loading funds to your Amazon account with an Amazon gift card, effectively giving you the opportunity to earn 5% back on up to $1,500 of Amazon.com purchases year-round.
Digital Wallets – Digital wallets can be a great way to maximize your Discover cash back bonus. Most brick-and-mortar merchants and many online stores now accept payment via digital wallet, which opens up the opportunity to earn 5% cash back almost everywhere. In addition to earning cash back almost everywhere, you can purchase gift cards to extend the 5% cash back category beyond Q4 or to merchants that don’t accept digital wallets. Discover’s cash back bonus is awarded when you use Apple Pay, Google Pay, Samsung Pay or Garmin Pay.
U.S. Bank Cash+
The U.S. Bank Cash+ card allows you to select two categories in which you can earn 5% cash back on up to $2,000 in combined purchases during the quarter. Eligible categories include fast food, home utilities, TV, internet and streaming, department stores, cell phone providers, electronics stores, sporting goods stores, gyms/fitness centers, ground transportation, movie theaters, furniture stores and select clothing stores.
How to activate your U.S. Bank Cash+ quarterly category bonus
You can activate your U.S. Bank Cash+ bonus categories by going to cashplus.usbank.com and entering your card information. If you sign up for a reminder text message or email, U.S. Bank will also remind you to activate your categories each month.
You must activate your bonus categories each quarter in order to earn bonus cash back with the U.S. Bank Cash+ card.
How to maximize your bonus categories
Gift cards – Many merchants sell gift cards and these can be a great way to extend your bonus cash back past the end of the quarter. Many electronics stores and some department stores sell gift cards to specialty merchants. If you frequently visit a certain store that earns a category bonus, consider purchasing a gift card to ensure that your future purchases earn 5%. If you purchase gift cards online, be sure that the gift cards are sold from the merchant directly and not from a third-party provider, or else you may not receive your bonus cash back.
Pre-pay your expenses – Some merchants will allow you pre-pay for services and this can be a great way to extend the reach of your 5% category past the end of the quarter. Most cell phone providers will allow to you make payments to your account in excess of your bill amount. If you take public transit, consider loading more money onto a transit card during a quarter where you have selected this as a category.