(EXPIRED) (Update) Q4 2023 Quarterly Bonus Categories for Chase, Discover, US Bank & Citi Dividend

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Update 9/19/23: You can now register the Citi Dividend card too if you have any of those. If you’ve not maxed out your $6,000 spending allowance on that card already this year, Q4 is a great final opportunity to do that as you’ll earn 5% cashback at grocery stores from October 1 to December 31.


All Chase and Discover cards with rotating quarterly categories have now opened registration for Q4 2023.

Here’s the details of each card’s categories from October 1 to December 31, 2023, along with links to activate the bonuses.

Chase Freedom & Freedom Flex

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Bonus Categories

  • PayPal: Includes purchases made using your Chase Freedom card with PayPal. Payments made through the Xoom transfer service are not eligible for 5%. Person-to-Person (P2P) transactions made with your Chase Freedom card on PayPal may be prohibited or not eligible for 5%.
  • Wholesale Clubs: Gas, fuel, wholesale specialty service purchases such as travel, insurance, cell phone and home improvement will not qualify in this category. Mastercard not accepted at Costco warehouses or at gas stations.
  • Select Charities: American Red Cross, Equal Justice Initiatives, Feeding America, Habitat for Humanity, International Medical Corps, International Rescue Committee, Leadership, Conference Education Fund, NAACP Legal Defense and Educational Fund, National Urban League, Thurgood Marshall College Fund, United Negro College Fund, UNICEF USA, United Way, World Central Kitchen, GLSEN, Out and Equal, Sage

Bonus Amount / Limit

  • 5% cashback on up to $1,500 spend in combined purchases of this quarter’s categories

Activation link


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Bonus Categories

  • Amazon.com
  • Target

Bonus Amount / Limit

  • 5% cashback on up to $1,500 in purchases

Activation Link

Citi Dividend

Citi Dividend Q4 2023 5% category

Bonus Categories

  • Grocery Stores

Bonus Amount / Limit

  • 5% cashback on up to $6,000 in purchases per year

Activation Link

US Bank Cash+

US Bank Cash+ Q3 2019

Bonus Categories

Choose two of the following:

  • Home Utilities
  • Electronics Stores
  • Sporting Goods Stores
  • Ground Transportation
  • TV, Internet & Streaming (this replaced Car Rentals)
  • Department Stores
  • Select Clothing Stores
  • Gyms/Fitness Centers
  • Furniture Stores
  • Cell Phones
  • Fast Food
  • Movie Theaters

Bonus Amount / Limit

  • 5% cashback on your first $2,000 in combined net purchases in your chosen 5% categories

Activation link

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Any way to use PayPal at a grocery store to stack with the 5X on groceries for the first year offer that has been popping frequently on the Freedom Flex cards?

I’ve been able to get 9X in Q1 and Q2 with the regular grocery category stack and taking advantage of Whole Foods falling under the Amazon bonus. My card anniversary date goes just far enough into January I should be able to get 9X in Q1 next year (if the grocery bonus pattern holds). I’d love to sneak in one more quarter of 9X on gift cards if it can be done!


For Costco

You can buy Costco Gift Cards on costco.com ( you can paid with Mastercard in the online platform), they shipped you free the Gift Card and spend it on Costco.

So 5X in Costco. Easy

see below

someone beat you to it. see below


Since MasterCard works on Costco.com can I buy Costco gift cards and will that trigger 5x?

Summit Hotwani

Yes! That’s what I did the last time Freedom Flex had that category. It sad that PayPal and Wholesale clubs fall in the same quarter. Both are super easy to max out.


Yes. So do you rack up $1500 of costco gift cards in the quarter and spend them throughout the year? P2 and I both have FF cards so that could be $3k in costco GC’s.

Summit Hotwani

Yes that’s correct. We shop regularly at Costco between groceries / household stuff / gas, it’s fair amount of spend. Between P2 and I, have 3 Freedom cards, so that’s gonna be $4500 total. Since this time I’ve the option to use PayPal, I’m gonna use it for organic spend and whatever’s remaining in December, goes to Costco gift cards. Easy 22500 URs.