Chapter 1: Cash

In chapter one we discuss proven techniques for earning cash back on everyday purchases. Here are the cash-back credit cards discussed in Chapter 1 of the book. None of these cards have an annual fee:

Here are links to signup for a few of the most popular cash back portals:

Here are the rotating cash back bonus categories for 2017 that have been announced so far:

Chase Freedom

  • Quarter 1: Gas Stations, Local Commuter Transportation
  • Quarter 2: Grocery Stores (excluding Walmart and Target), Drugstores
  • Quarter 3: "Summer Fun"
  • Quarter 4: "Holiday"

Discover More/it

  • Quarter 1: Gas Stations, Ground Transportation and Wholesale Clubs
  • Quarter 2: Home Improvement Stores and Wholesale Clubs
  • Quarter 3: Coming Soon
  • Quarter 4: Coming Soon

Citi Dividend

  • Quarter 1: The Home Depot, Home Furnishing Stores
  • Quarter 2: Drugstores, Fitness Clubs
  • Quarter 3: Hilton, Airlines
  • Quarter 4: Best Buy, Department Stores

For reference, here are the rotating cash back bonus categories for 2016:

Chase Freedom

  • Quarter 1: Gas stations and local commuter transportation (excluding parking, tolls, and Amtrak)
  • Quarter 2: Grocery stores (excluding Walmart and Target)
  • Quarter 3: Restaurants and wholesale clubs
  • Quarter 4: Department stores, wholesale clubs, and drug stores

Discover More/it

  • Quarter 1: Gas stations and ground transportation
  • Quarter 2: Restaurants and movies
  • Quarter 3: Home Improvement Stores & Amazon.com
  • Quarter 4: Amazon.com, Department Stores & Sam's Club

Citi Dividend

  • Quarter 1: The Home Depot and home furnishing stores
  • Quarter 2: Drug stores and fitness clubs
  • Quarter 3: Hilton and car rentals
  • Quarter 4: Best buy and department stores

For reference, here are the rotating cash back bonus categories for 2015:

Chase Freedom

  • Quarter 1: Grocery stores, excluding Walmart and Target stores, movie theaters, Starbucks stores
  • Quarter 2: Restaurants, Bed Bath & Beyond, H&M, overstock.com
  • Quarter 3: Gas stations
  • Quarter 4: Amazon.com

Discover More/it

  • Quarter 1: Gas and ground transportation
  • Quarter 2: Restaurants and Movies
  • Quarter 3: Home Improvement Stores, Department Stores, and Amazon.com
  • Quarter 4: "Holiday Shopping & More"

Citi Dividend

  • Quarter 1: Macy's & Home Furnishing
  • Quarter 2: Home Depot & Home/Garden Stores
  • Quarter 3: Hilton & Airlines
  • Quarter 4: Best Buy & Department Stores

For reference, here are the rotating cash back bonus categories for 2014:

Chase Freedom

  • Quarter 1: Gas Stations, Movie Theaters, Starbucks
  • Quarter 2: Restaurants and Lowe's
  • Quarter 3: Gas Stations and Kohl's
  • Quarter 4: Amazon.com, Zappos.com, select department stores

Discover More/it

  • Quarter 1: Restaurants and movies
  • Quarter 2: Home Improvement Stores, Furniture Stores, Bed Bath & Beyond
  • Quarter 3: Gas Stations
  • Quarter 4: Online shopping, department stores

Citi Dividend

  • Quarter 1: Macy's, Drug Stores, Fitness Clubs
  • Quarter 2: Home Furnishing Stores, Home & Garden Stores, The Home Depot
  • Quarter 3: Hilton Worldwide, Car Rental Agencies, Theme Parks, Movie Theaters
  • Quarter 4: Best Buy, department stores, toy stores

For reference, here are the rotating cash back bonus categories for 2013:

Chase Freedom

  • Quarter 1: Gas Stations, Drug Stores, Starbucks
  • Quarter 2: Restaurants, Movie Theaters, Lowe's
  • Quarter 3: Gas Stations, Theme Parks, Kohl's
  • Quarter 4: Amazon.com, select department stores

Discover More

  • Quarter 1: Restaurants, Movies
  • Quarter 2: Home Improvement
  • Quarter 3: Gas Stations
  • Quarter 4: Online shopping

Citi Dividend

  • Quarter 1: Zappos.com, Fitness Clubs, Drug Stores
  • Quarter 2: Home Furnishing stores, Home and Garden stores, Home Depot
  • Quarter 3: Worldwide Hilton properties, car rental agencies, movie theaters, theme parks
  • Quarter 4: Best Buy, department stores, toy stores