Quarter 4 is almost here and that means new 5% categories for our rotating category credit cards. The Freedom Flex and Discover It offer great options to earn a lot of cash back rewards. The US Bank Cash Plus is one of the best cash back cards on the market. And for those holding a Citi Dividend and Nusenda Platinum Cash Rewards card, these are great options maximize credit card reward earnings.
00:00 – Start
00:50 – Discover It
1:43 – Chase Freedom Flex
2:49 – US Bank Cash Plus
3:55 – Citi Dividend
4:49 – Nusenda Platinum Cash Rewards
5:42 – Wrap Up
☕️ Cash App –
🔥 Waller’s Wallet YouTube Channel Member:
🎧 Listen to the Waller’s Wallet Podcast:
➡️ Get early access to Podcast:
📈 WeBull Free Stock:
📈 Robinhood Free Stock:
💵 Get Easy Money Signing Up For Sofi Money:
👕 Waller’s Wallet Merchandise:
📰 Subscribe to my newsletter:
Support Waller’s Wallet when shopping at Amazon:
My Camera Equipment:
Canon M50:
Lighting:
Main Mic:
Shotgun Mic:
Switchpod Tripod:
Colored Background lights:
iPad Pro:
Magic Keyboard:
Airbnb – Get $40 off your first booking-
Rakuten – Get $10 when you sign up –
Social Media:
Discord:
FaceBook Group:
Twitter:
Instagram:
Advertiser Disclosure: Many of the listings that appear on this website are from companies which we receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products.
31 comments
First
Very solid quarter to rack up some cash back!
Dustin is the only youtuber that appreciates the US Bank Cash+ as much as I do!
For paypal category spends make sure to link your Freedom card and get the Paypal Key. This will give you the ability to use paypal anywhere!
Kudos to Discover for revealing the year's four categories up front, leading the pack, while Chase is chasing from behind every quarter.
What about affinity cash rewards if I’m correct 10% back on Amazon 4th quarter
Q4 categories looking really good. I wish I could get the Cash+ into my setup
Great update! When will THE baby be featured again? Haha
I have the Apple Card so I get 3% back on Apple purchases. I also have the option to finance out large purchases.
Walmart .com sucks! Why segment products for in-store purchase only when brick and mortar is moving to curbside pickup?
US Bank notably omits home improvement stores from all their categories, including the 2% and lower categories!
Department stores do qualify under the 5% rule, so perhaps WalMart qualifies?
I imagine they Best Buy would qualify under Electronics.
No Amazon category!
Groceries only 2% max.
I feel uncertain when choosing US Bank categories.
Citi Dividend is Best Buy and Online Warehouse Clubs. I might buy a new TV and console with this card since I haven't used the 5% this year.
I asked you to add Nusenda to the quarterly videos but I dont think its worth for the majority anymore after calling them. I called them a few months ago asking about this card and decided not to get it based on what they said. With my Cashback setup, including Discover It and Freedom, the only time I would use Nusenda was the 5% at restaurants and called to ask if that included Fast food and delivery and they couldnt answer me. Cant assume it does because when I called about the TD cash 3% restaurants they told me outright that it does NOT include fast food or delivery, eat in restaurants only. Then with USB Cash+ having a 5% on JUST Fast Food means there is obviously a difference and I really needed a clear answer from them. So that ruined the whole point in me getting nusenda since they couldnt answer that question. They also said that though I could join the union and get the card despite being out of state, if any issues came up with the card or my account I would have to go in person to a branch to resolve it. Heeelllll no, not happening. Also its a $50 minimum redeption and I know people throw fits over $25 minimums so also important.
Cities Dividend Q4 2020
Online purchases at Warehouse clubs and Best Buy®
Tip about Nusenda. The four quarters are the same each year and you are auto-opted in every quarter.
The PayPal Key feature just makes this game easier 👍🏼
I already have the target Redcard & Amazon card, so my discover card will just sit on the sidelines till 2021.
But ima bout to kill it on the freedom flex, because we love to make big grocery runs at Walmart & my wife uses paypal alot!!!
Can't wait to see what the categories are for Q1- 2021
How long can you go without using your credit card? I have a credit card that I don’t wanna use anymore but don’t want to cancel because it’s my oldest card. I don’t want it to get closed
What happens if you checkout from Walmart with PayPal with the freedom?
Dude.. keeping track of this is so complicated.
Great Video man. I plan on getting plenty of 5x cards over time myself as well.
I have never used PayPal before, but I guess it’s time to learn 😂
Anything for the CSP's temporary categories for the next three months?
Do you think Citi will bring back the Citi Dividend card?
If you have a card like the freedom flex with rotating categories but a current category is one you don’t spend on what should you do for that quarter?
'It's beginning to look a lot like Christmas…' too soon?? Take care Dustin and keep the family safe!
Will be maxing out my 4 Chase Freedoms this quarter with PayPal.
I always look forward to your quarterly category videos! Can you do a video on the new PayPal Key?
Do you have a referral link to the us bank cash plus card?
Langley Federal Credit Union Cash Back Visa 5% categories grocery and wholesale clubs this month November.
Where is vantage west 5 percent