It’s now doable to activate all 5% class bank cards for the third quarter of 2025, together with the Chase Freedom, Chase Freedom Flex, Uncover IT, Citi Dividend, US Financial institution Money+ and a few smaller playing cards. On this submit we’ll present the activation hyperlink for every card, spend tracker hyperlinks, and techniques to assist improve spend inside these classes.
Dates: October 1st – December 31, 2025. Retailer purchases can often be accomplished till the final minute whereas on-line purchases ought to be given a buffer zone because the cost usually posts on the transport date.
Activation Hyperlink / FAQ / Our unique submit
With the Chase Freedom and Freedom Flex playing cards, activate to earn 5% again this quarter on as much as $1,500 in spend on Chase Journey, Division Shops, and Outdated Navy.
- Division Shops – some point out the choice of shopping for present playing cards for locations like Amazon or Starbucks from Division Shops. We’ll have to attend to see if we get a greater listing of eligible Division Shops from Chase.
- Chase Journey – on the Freedom Flex card this could quantity to 9x complete factors because the card at all times earns 5x and the additional 4x bonus will deliver it as much as 9x.
- Outdated Navy
There’s a bonus class for December 2025 solely; this class combines for the $1,500 restrict, however will solely work in December:
- Paypal – that is at all times a straightforward class with vacation purchasing and the like. You may also pay federal taxes with Paypal, make charity donations, store on Walmart, Goal, Finest Purchase, and so many extra. It’s additionally doable to make use of Paypal in lots of bodily shops with a QR code.
Most individuals will simply watch for December and max this out with the Paypal class. Personally, I’ll in all probability do a $1,500 federal tax cost by way of Paypal on my Freedom card and one other one on my Freedom Flex card. Utilizing ACI Funds it’s best to have the ability to course of this cost for simply 1.85% charge (pay1040 would possibly cost extra at 2.89%). Or I’ll use it for year-end charity donations.
Tip: Click on this hyperlink (login required) to test how far you might be alongside the $1,500.
Uncover – Drugstores, Amazon
Activation Hyperlink / Our unique submit
Together with your Uncover card, activate to earn 5% again this quarter on as much as $1,500 in purchases at Drugstores and Amazon.
- Drugstores – can be utilized to buy present playing cards at drugstores as nicely.
- Amazon – those that have the 5% Prime Visa card received’t discover this class helpful. It may nonetheless be helpful along with a Uncover – Store With Factors deal because the steadiness usually goes onto the Uncover card, so undoubtedly price activating.
Tip: Login, then click on this hyperlink to see you the way far alongside the $1,500 you might be.
Citi Dividend – Eating places, Citi Journey
Touchdown Web page | Our Authentic Submit
Together with your Dividend card, activate to earn 5% again this quarter at Eating places and Citi Journey. Citi is completely different than the opposite playing cards in that you’ve a $6,000 annual cap reasonably than a $1,500 quarterly cap. You will get 5% again on as much as $6,000 on this quarter, it can save you all the quantity for a unique quarter, or you should use half up every quarter.
- Eating places – at all times a pleasant class
- Citi Journey
U.S. Financial institution Money+/Elan – Choose your Classes
Activation hyperlink | Service provider Listing | Our Authentic Submit
U.S. Financial institution Money+ and Elan Max provide 5% money again in two classes, as much as $2,000 mixed complete per quarter.
Right here are the present choices:
- TV, Web, and Streaming Providers
- Residence utilities
- Choose clothes shops
- Cellular phone suppliers
- Digital Shops
- Gyms/Health
- Quick meals
- Floor Transportation
- Sporting items
- Division Shops
- Furnishings Shops
- Film theaters
Tip: Login right here, then scroll down and click on on the purple “View Your Money+ Historical past” button.
U.S. Financial institution Shopper – Choose your Classes
The U.S. Financial institution Shopper Money Rewards comes with a $95 annual charge and gives 6% cashback in your first $1,500 in mixed eligible purchases every quarter with two retailers you select. Choices embody Amazon, Apple, Finest Purchase, Residence Depot, Lowe’s, Walmart, Goal, and lots of extra. You have to enroll every quarter for 2 retailers.
Financial institution of America Personalized Money Rewards
The Money Rewards card from Financial institution of America gives 3% again on one chosen class, as much as $2,500 per quarter. When you don’t choose something it defaults to fuel. As soon as you chose a class for one quarter, that is still your class sooner or later until you alter it. Every calendar month you’ll be able to change it if you happen to’d like, however you’re at all times restricted to $2,500 for all the quarter.
- Fuel and EV charging stations (default class)
- On-line Buying; this class additionally consists of cable, streaming, web, and cellphone plan
- Eating
- Journey
- Drug Shops
- Residence Enchancment/Furnishings
This class is very profitable for many who have Most well-liked Rewards standing with Financial institution of America which might get you 5.25% again on one among these classes on the greater relationship stage.
Plenty of helpful classes right here. Necessary observe: the Money Rewards card additionally gives 2% again at grocery shops and wholesale golf equipment as much as $2,500 per quarter, and that $2,500 restrict combines with the Class Choice restrict. After spending $2,500, you’ll earn 1% again on all the pieces.
Different Playing cards with 5% Class
Nusenda FCU – Buying, Eating places
Touchdown Web page | Our Authentic Submit | 2025 Submit
- Earn 5% this quarter on as much as $1,500 in purchases for On-line Buying, Retail Buying, and Eating places.
That is on prime of the common 1% for a complete earn of 6% again. (apparently now not the case)
Langley FCU – Grocery, Amazon, Eating
Touchdown Web page | Our Authentic Submit
- Langley Federal Credit score Union gives 5% again every month in a single chosen class, on as much as $100 money again complete ($2,000 spend).
- The class choices at time of this writing: Amazon, Eating, Grocery
Huntington Enterprise Voice – Choose 4% Class
Huntington Voice Enterprise bank card you select one among ten classes the place you’ll earn 4% money again—on the primary $7,000 you spend per quarter.
- Class choices: Grocery Shops, Fuel Stations, Eating places, Journey and Leisure, Residence Enchancment Shops, Utilities and Workplace Provide Shops, Division, Attire, and Sporting Items Shops, Digital, Pc, and Digicam Shops, Low cost and Warehouse Shops, Auto Elements and Providers Shops.
Secure Credit score Union [CA] – Varied
Touchdown Web page | Our Authentic Submit
Secure Credit score Union Money Rewards Visa card gives 5% this quarter in your selection of 1 class every quarter (with no obvious restrict). This quarter the class is one among these three:
As well as, it appears you’ll additionally get 5% on the next two classes (I suppose limitless):
