[YMMV] Citi Sears Spend Offer: Earn 5% On Select Purchases

The Offer

No direct link to offer, sent out via e-mail. Subject line is  unknown

  • Citi Sears is offering some cardholders 5% back on select purchases between 5/1/2022 and 7/31/2022

Our Verdict

Citi Sears deals stack, some might be able to stack with this one:

You can read more about this card here.  These offers are why this is ranked the #1 store card.

Source: doctorofcredit.com

Chase & Citi ‘Stored Cards’ Feature Shows Which Websites Saved Your Cards

Chase has a cool feature which I never noticed before called ‘Stored Cards’. It shows where each of your Chase cards is stored for recurring payments. For example, it might show Paypal, Amazon, your cable company, Uber, or any other business where your card is saved within their system.

To find this, go to the Security & Privacy tab on the website you’ll see the Stored Cards tab. In the app go to Profile (top-right corner icon) > Settings > Security Center > Stored Cards.

You’ll also see which digital wallets your cards are connected to. And in the Security Center there’s information on which third parties are tracking your account, such as Mint.

This feature is apparently a year or two old, but I just noticed it now when reader Danielle tipped me off.

Update: Readers note that Citi has a similar feature which can be found in the mobile app > Services > Card control hub.

Source: doctorofcredit.com

Citi ThankYou Points Can Be Redeemed For A Gas Discount At Shell, BP, and Amoco stations (0.8¢ Per Point)

Update 4/26/22: A lot of people (1, 2, 3) are having issues with this new ‘feature’. Annoying that it can’t be turned off.

Citi has announced that Citi ThankYou points will be able to be redeemed for gas at Shell, BP, and Amoco stations. Points can be redeemed by:

  • Visiting a participating Shell, BP, and Amoco fuel station
  • Swiping an eligible Citi credit card to pay for gas at both self and full service stations
    • If the gas pump screen prompts an offer to redeem ThankYou Points, select “yes” to use points for gas purchases
  • Confirming the number of points redeemed via the receipt or online at ThankYou.com

Points are worth a flat 0.8¢ when using this feature. Citi seems to have an obsession with offering new redemption options where cardholders can cash out points for less than 1¢ per point (e.g Pay With Points & PayPal)

Source: doctorofcredit.com

Citi / AAdvantage Platinum Select World Elite MasterCard – 40,000 Miles + $250 Statement Credit Offer

The Offer

Direct link to offer (if that doesn’t work, do a dummy booking and select any flight. You’ll see an option to upgrade to business and below that should be this offer). You can also trigger the same offer on the business card by clicking ‘are you a business owner’ in the top right corner

  • Earn 40,000 American Airline miles after $3,000 in spend within the first three months.
  • Earn up to $250 in statement credits on eligible American Airline purchases within the first 12 months

Card Details

Our Verdict

Standard bonus on this card is 60,000 miles. This is a better offer as long as you value miles less than 1.25¢ per mile. You used to be able to get this lower mileage bonus and then match to 60,000 miles and still get the $250 statement credit but that hasn’t worked for a long time unfortunately. As always, read these things you need to know about Citi credit cards before applying.

Hat tip to reader Ben

Source: doctorofcredit.com

[Update] Q2 2022 5% Quarterly Categories: Activate, Offers & Suggestions (Freedom/Flex, Discover, Dividend, Cash+ & more)

(Update 4/5/22: This data point indicates that Whole Foods DOES earn 5x with the Freedom ‘Amazon’ category, despite that it’s not mentioned in the terms.  Only online orders work)

It’s now possible to activate/enroll all 5% category credit cards for the second quarter of 2022, including the Chase Freedom, Chase Freedom Flex, Discover IT, Citi Dividend, US Bank Cash+ and a few others. In this post we’ll provide the activation link for each card and links to track your spend, along with strategies to help increase spend in these categories.

Dates: April 1st – June 30, 2021. Store purchases can usually be done until the last minute while online purchases should be given a buffer zone of a day or two.

Chase Freedom – Amazon, Streaming

Activation Link / FAQ / Sample Stores & Exclusions / Our original post

With your Freedom and Freedom Flex cards, earn 5% back this quarter on up to $1,500 in spend on Amazon.com and at select streaming services.

  • Amazon.com – always a useful category. Purchases made at Amazon.com including digital downloads, Amazon.com Gift Cards, Amazon.com Fresh orders, Amazon.com Prime subscriptions, and items sold by third party merchants through Amazon.com’s marketplace. (Does not include in-store Whole Foods purchases.)
    • Amazon has a wide variety of gift cards (affiliate link) to places like Whole Foods, Best Buy, Visa, Lowe’s, Lyft, Southwest, Starbucks, Apple, Google, and dozens more. You can lock in the bonus for purchases elsewhere in that manner.
  • Select streaming services – Only subscriptions paid for, or purchases made with the following select merchants will qualify for this category: Apple Music, Apple TV+, Disney+, ESPN+, Fubo TV, HBO Max, Hulu, Netflix, Pandora, Paramount+, Peacock, Showtime, SiriusXM, Sling, Spotify, YouTube Premium, YouTube TV and Vudu.

Tip: Click this link (login required) to check how far you are along the $1,500.

Discover – Gas, Target

Activation Link / Our original post

With your Discover card, earn 5% back this quarter on up to $1,500 in purchases at Gas Stations and Target.

  • Gas Stations – nice for gas, and there might be some convenience stores that are considered Gas Stations as well.
  • Target – not too useful since most of us already earn 5% discount on Target with the Target REDcard. But it’s useful for Target gift cards purchased from Target which don’t get any discount with the Target REDcard.

Activate to earn 5% Cashback Bonus at Gas Stations (stand-alone) and Target from 4/1/22 (or the date on which you activate 5%, whichever is later) through 6/30/22, on up to $1,500 in purchases. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Target purchases include those made at Target.com, through the Target app, or in-store at Target. Purchases from individual merchants and stand-alone stores within physical Target locations may not be eligible for this promotion. Purchases made online or through the Target app from Target affiliates, individual merchants or stand-alone stores may not be eligible for this promotion, including, but not limited to, targetoptical.com and targetphoto.com. Target and the Bullseye Design are registered trademarks of Target Brands, Inc. Listed merchants are in no way sponsoring or affiliated with this program.

Tip: Login, then click this link to see you how far along the $1,500 you are.

Citi Dividend – Grocery, Drugstores

Landing Page | Our Original Post

With your Dividend card, earn 5% back this quarter at Grocery Stores and Drugstores. Citi is different than the other cards in that you have a $6,000 annual cap rather than a $1,500 quarterly cap. Thus, you can get 5% back on up to $6,000 in this quarter, you can save the entire amount for a different quarter, or you can use part up each quarter.

  • Grocery Stores – always a useful category; grocery stores also carry a wide variety of gift cards
  • Drugstores – they carry a wide variety of gift cards

A lot of people will want to max out their Dividend cards for the year with $6,000 in purchases this quarter given how easy it is to use the Grocery category or to buy gift cards from the drugstore and grocery store.

US Bank Cash+/Elan – Select your Categories

Activation link | Merchant List | Our Original Post

U.S. Bank Cash+ and Elan Max offer 5% cash back in two categories, up to $2,000 combined total per quarter. Keep in mind that Car Rentals was recently replaced with TV, Internet, and Streaming Services.

Here are the current options:

  • TV, Internet, and Streaming Services
  • Home utilities
  • Select clothing stores
  • Cell phone providers
  • Electronic Stores
  • Gyms/Fitness
  • Fast food
  • Ground Transportation
  • Sporting goods
  • Department Stores
  • Furniture Stores
  • Movie theaters

Tip: Login here, then scroll down and click on the red “View Your Cash+ History” button.

Bank of America Cash Rewards

Our Original Post

The Cash Rewards card from Bank of America offers 3% back on one selected category, up to $2,500 per quarter. If you don’t select anything it defaults to gas. Once you selected a category for one quarter, that remains your category in the future unless you change it. Each calendar month you can change it if you’d like, but you’re always limited to $2,500 for the entire quarter.

  • Gas (default)
  • Online Shopping
  • Dining
  • Travel
  • Drug Stores
  • Home Improvement/Furnishings

This category is especially lucrative for those who have Preferred Rewards status with Bank of America which can get you 5.25% back on one of these categories at the higher relationship level.

Lots of useful categories here. Important note: the Cash Rewards card also offers 2% back at grocery stores and wholesale clubs up to $2,500 per quarter, and that $2,500 limit combines with the Category Selection limit. After spending $2,500, you’ll earn 1% back on everything.

Other Cards with 5% Category

ABOC – Discontinued

Since August 27, 2021, the ABOC Platinum rewards card has moved to a new rewards provider and no longer offers the quarterly 5x categories.

Nusenda FCU – Furnishings, Home Improvements, and Gardening

Landing Page | Our Original Post

  • Earn 5% this quarter on up to $1,500 in purchases at Restaurants, Home Improvement stores, and on Movies.

This is on top of the regular 1% for a total earn of 6% back.

Affinity FCU – Gas, Supermarket, Home Improvement

Homepage (rotating banner) |  Our Original Post

  • Earn 5% this quarter on purchases on up to $3,500 in purchases for Gas, Supermarkets and Home Gardening.

The 5x is on top of regular earn for a total of 6x or 7x, depending on the card.

Abound CU – Travel

Landing page | Our Original Post

  • Abound Credit Union Visa Platinum card offers 5% on up to $2,000 in purchases for Travel purchases.

5% off merchants classified as Airlines, Car Rental, Lodging, Cruise Lines, Air Carriers, Airport, airport terminals & flying fields, Travel Agencies & Tour Operators, Lodging Hotels, Motels, Resorts not elsewhere classified, Timeshares, Auto Rental Agency- not elsewhere classified, Motor Home & Recreational Vehicle Rental up to $100.00 in rewards earned per statement cycle. Offer valid April 1 – June 30, 2022. After $125 is reached in rewards you will continue to earn 1%. 

Vantage West [AZ] – Select your Category

Landing Page | Our Original Post

Get 5x points on the category of your choice, up to $1,500 per quarter. Eligible categories:

  • Travel
  • Restaurants
  • Utilities [water, cell, electric, etc.]
  • In-Store Wholesale Purchases [Costco, Sam’s Club, etc.]
  • Department Stores
  • Hardware & Home Improvement Stores
  • Charitable Organizations
  • Pharmacies & Drug Stores
  • Amazon.com

Source: doctorofcredit.com