percent so it makes five percent that way all right so um so yeah you're gonna be rewarded in the category that you spend most um but this actually stacks with some other things okay so let's let's have a look at the next part of the faq um what rewards categories are eligible for the top spend offer because it's not that it's just wherever you spend the most no there's only a certain category so travel including transit which is like ubers and public transport and stuff dining home improvement stores grocery stores not including target and walmart purchases remember that that's crucial for understanding this later on in the video drugstore gas stations select live entertainment select streaming services and fitness clubs all right and then we have when will i receive my NUMBER_TOKEN bonus usual stuff all right um you'll receive it like at the end of the statement or whatever if you use your paypal if i use paypal a qNUMBER_TOKEN bonus category as a payment method for purchases in my top spend category can i earn both offers okay now that is actually crucial because yes you can alright so yes however please note that since both the top spin category and the quarterly bonus category are earned as four percent on top of the base one percent um it's going to be worked out like this so see at the bottom here base one percent and then plus four percent for the bonus quarterly category and four percent for the top spend category equals nine percent exactly the same as last quarter where some people were taking advantage of the welcome bonus grocery category and the grocery category for um you know the quarter okay so basically if you use paypal which is a quarterly category and uh you use that paypal at the merchant where you spend the most and then that is going to be counted but then you might be thinking what if i spend the most at walmart okay could it be my top spend category and it's a quarterly category so i am nine percent there as well well remember when we looked at that slide the eligible categories guess what walmart is not one of them okay not including target or walmart purchases which uh yeah you know that uh that kind of sucks but you know whatever it is what it is now in a moment i'm gonna show you another way to get seven points per dollar or seven percent cash back um because there there's more to this there's a few more ways um but first of all if you have a credit card or you have lots of credit cards max rewards is a great app to get they're actually the sponsor of this show give them some love guys they've been supporting our show for many years uh they call themselves a must-have for anyone with multiple credit cards which i guess you know a lot of the people watching this show you do have multiple credit cards all right because you're watching this show they will activate your chase quarterly categories for you so all this stuff in this video you don't even need to think about activating it'll activate for you they will activate annex offers for you as well and that's if you get the gold version okay and you get a free month of that with my link below but if you just want to download the app and try it out they have loads of free features they'll track your credit utilization your credit limits and balances across all your cards your rewards balances they give you credit scores all of the different credit scores from every different card you have will be put in the app they also have a
START_SPONSOR_TOKEN all if you have a credit card or you have lots of credit cards max rewards is a great app to get they're actually the sponsor of this show give them some love guys they've been supporting our show for many years uh they call themselves a must-have for anyone with multiple credit cards which i guess you know a lot of the people watching this show you do have multiple credit cards all right because you're watching this show they will activate your chase quarterly categories for you so all this stuff in this video you don't even need to think about activating it'll activate for you they will activate annex offers for you as well and that's if you get the gold version okay and you get a free month of that with my link below but if you just want to download the app and try it out they have loads of free features they'll track your credit utilization your credit limits and balances across all your cards your rewards balances they give you credit scores all of the different credit scores from every different card you have will be put in the app they also have a END_SPONSOR_TOKEN