Maximize 5% Categories Q4 2019: Chase Freedom, Discover It, Citi Dividend – Ask Sebby

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How to maximize the 5% Q4 2019 categories for the Chase Freedom, Discover It, and Citi Dividend cards. Click “Show More” to see Ad Disclosure
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33 comments

Ask Sebby October 3, 2019 - 10:54 pm Reply
Justin Williams October 4, 2019 - 12:53 am

LETS ROOOLLLLLLLL SEBBBBBB 🤙🤙🤙🤙 I hate this quarter for Chase freedom lol I literally don't really shop at dept stores and I'm actually going to be doing shoppin at suit stores this month soooo yeah lololol

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GTBuzz111 October 4, 2019 - 12:54 am

Chase Pay can be used in store at Walmart. Just download the walmart app and link chase pay to it. Pay with the walmart app (walmart pay) and it uses the linked chase pay. 5% back in store.

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Rolo555 October 4, 2019 - 1:01 am

Correct me if I'm wrong, you can use PayPal to get airline tickets?

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wannabe DAL-ADX October 4, 2019 - 1:12 am

I was hoping for more about Chase Pay. Since Chase is getting rid of the app (after this quarter) how would you use it? Otherwise, I agree this will be a quiet quarter for me since i don't shop at department stores and don't use PayPal.

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Shainur Ahsan October 4, 2019 - 1:48 am

Thanks for the info. This will probably be a poor quarter for my chase cards since I don't use Chase Pay or Paypal that often.

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Leo Cubias October 4, 2019 - 1:59 am

So I have chase pay and samsung pay. They are linked together. My freedom card has the chase pay symbol in my samsung pay app. So if I use my samsung pay, will it trigger the 5x? Or will it only work if I open the chase pay app?

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King Creo October 4, 2019 - 2:12 am

My Bestbuy Citi Visa card is offering 5% back on groceries and gas till end of year. Chaching!!!!!

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J Clement October 4, 2019 - 2:58 am

Chase pay can be used at Shell gas station through the app

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Nien Saechao October 4, 2019 - 3:32 am

Thanks for the reminder! Going to make as many of my regular purchases online as I can 😁

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mcomeslast October 4, 2019 - 3:44 am

Yeah, mixed bag. The discover target deal is nice. Beyond that, the multipliers on my NavyFed Amex make more sense for me. I’ve socked drawered my citi double cash and nearly sock drawered my Amex gold. I have seen some great Amex offers for Saks, etc, so that is encouraging.

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Tifon'ie Claus October 4, 2019 - 3:48 am

Can you talk about why amex platinum credit card no longer taking sign up.

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Peltwerk October 4, 2019 - 4:37 am

Chase pay can be used at many fast food places and best buy stores

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Elso October 4, 2019 - 4:51 am

Why am I just hearing about the Citi dividend card before? Is it new?

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Daveco321 October 4, 2019 - 4:57 am

Can I just send 1500$ to a friend via PayPal and they send it back to me and I only lose 3% to fees but gain 7% in UR points? I mean if this works I will definitely do this in December if I didn’t max out yet.

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Peter Aldrich October 4, 2019 - 5:38 am

You can use Chase pay via QR code at Best buy and Starbucks

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AlwaysTheLegend October 4, 2019 - 6:40 am

I plan to buy the new iphone on black friday at target with my discover card. Its 5% cashback but the first year they double your cashback so its more like 10% off the new iphone. Plus whatever black friday deal they have.

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Lizzz.Bet October 4, 2019 - 11:31 am

I tend to buy a lot of larger ticket items at Kohls during black friday. If I can't find gift cards on Raise for more than 5% off then I'll make sure to use my Freedom card for my purchases 😉Thanks for the info Sebby!

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Brenon Artis October 4, 2019 - 12:37 pm

Will chase pay through Chase portals stack? Walmart is 2% right now.

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SolidLiquidFox October 4, 2019 - 3:27 pm

Be the datapoint you want to see.

Cue that guy from the other video blaming Sebby because he can't pay his annual fee.

😆😆😆

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danluna11 October 4, 2019 - 8:59 pm

Use the chase freedom chase pay, shell app, and upside to save a ton on gas!

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Nick Peitsch Investing October 4, 2019 - 11:40 pm

Dang… wish these cards were available in Canada 🇨🇦

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christian smith October 5, 2019 - 12:18 am

Not the biggest fan but shell pay through the app feature takes chase pay

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AKT0B0S October 5, 2019 - 12:51 am

If I buy Walmart gift cards on Walmart.com will I get the 5% bonus? I’m still in the cash match window and I do a ton of brick-and-mortar shopping there but not so much on their website so I’m curious.

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stez7878 October 6, 2019 - 1:19 am

Im planing to use my Discover IT card to purchase Delta Gift Cards on Target.com for a Trip to Brazil next year. Typically I will Maximixe the $1500 on Delta Gift Card and is about the price of a round trip ticket If i purchase in advance.

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Omar Al-Azzawi October 6, 2019 - 2:37 am

Chase pay is the best if you have Samsung pay bcz you can link it and use it everywhere with NFC or with swipe since Samsung pay work with both

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Omar Al-Azzawi October 6, 2019 - 2:42 am

Again Samsung pay for me is the way to go for buying gift cards bcz most of the time they have 20% discount on most of stores that I shop, spending a lot of money for 5% doesn't make sense

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J Deveraux October 6, 2019 - 4:09 pm

Does anyone know/understand the logic as to why the really big box stores like Costco, Sam's, Wal-Mart and Target are always so difficult when it comes to rewards? I don't want their co-branded cards but I find it's difficult to rely on Chase UR or Amex MR when shopping with these guys unless they have something in a portal or an offer.

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oliver October 11, 2019 - 2:26 pm

Is there a way to maximize Discover’s 5% to buy an iPhone this quarter?

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Maxine F November 1, 2019 - 1:01 am

I just wish they would include Walmart and Target. 😔

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issacg84 November 7, 2019 - 4:17 am

Can I use my freedom on the Chase pay app instead of Samsung pay for the 5 percent for my in-store purchases..

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Jesus Villa December 19, 2019 - 2:20 am

Hi ask sebby, my wife and I shop at Kohl's all the time, for deals and every time you spend $50 you get $10 in Kohl's cash plus I buy gift cards there for gas and Amazon. loving this quarter maxed out my 5x this quarter.

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IBernE January 25, 2020 - 8:24 pm

Can you still product change to the dividend card

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