This is pretty much why I went with Freedom Unlimited instead. I didn’t want to spend time chasing categories around.
Good return if you have spend in all those categories, though! Is there a list anywhere of what all the categories are? Curious....
Started 4/2018 - TU 637 3/2019 - TU 785 EX 778 EQ 782 4/2019 - TU 800 EX 764 EQ 784 9/2019 - TU 816 EX 796 EQ ? (well, I haven't checked....) 10/2019 - TU 825 EX 800 EQ 822 11/2019 - TU ? EX 785. EQ ? Scores entirely bolstered by one old, closed Wells Fargo card due to fall off in 2022
Discover it $4,000 Chase Freedom Unlimited $11,900 AMEX Blue Cash Everyday $18,000 Ducks Unlimited $6,000 Chase Ink Biz Preferred $9,000
I plan without it and just appreciate it as a nice extra when it does prove useful.
Spend: BofA Premium, BBP, Schwab Platinum, Freedom x 2, Costco, Discover Perks: IHG49, Hyatt75, Marriott Brilliant, Delta Platinum SD/AAoA Ballast: Arrival, CFU, DC, ED Downgrading in 2020: BCP, Savor Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Generally, they tell you what the categories are usually 14-15 days prior to the next quarter. The categories for the April-June 2019 quarter was released on 3/13 or 3/14, and then you can activate on 3/15. I think it's relatively ample time to plan. Also, if you look at the last year or 2, you can generally get an idea of what they might be per each quarter.