Freedom Flex's 5% categories for October through December include: McDonald's | PayPal | Pet Shops and Vet Services | Select Charities. You can find more details including a list of charities here. You must activate each quarter here.

- Southwest Rapid Rewards Plus - Earn 85,000 points after spending $3000 in 3 months, $69/annual fee.

- Southwest Premier Credit Card - Earn 85,000 points after spending $3000 in 3 months, $99/annual fee.

- Southwest Priority Credit Card - Earn 85,000 points after spending $3000 in 3 months, $149/annual fee.

- British Airways - Signature Card - Earn 100,000 Avios after spending $7500 in 6 months, $95/annual fee.

- Delta Platinum Business - 100,000 miles after spending $8000 in 6 months, $350/annual fee.

- Delta Gold Business - 90,000 miles after spending $6000 in 6 months, $0/annual fee, then $150/annual fee.

- Delta Reserve Business - 110,000 miles after spending $12000 in 6 months, $650/annual fee.

- Delta Platinum Personal - 90,000 miles after spending $4000 in 6 months, $350/annual fee.

- Delta Gold Personal - 80,000 miles after spending $3000 in 6 months, $0/annual fee, then $150/annual fee.

- Delta Reserve - 100,000 miles after spending $6000 in 6 months, $650/annual fee.

- AAdvantage American Airlines Citi Mastercard - Limited time offer, earn 75,000 miles after spending $3500 in 4 months, $0 annual fee for first year then $99/year.

- World of Hyatt Business Chase Visa - Limited time offer, earn 60,000 points after spending $5000 in 3 months, $199/annual fee.

- Ink Business Unlimited Business Chase Visa - $900 cash back after spending $6000 in 3 months, $0/annual fee.

- Miles & More Barclays Lufthansa Mastercard - 80,000 miles after spending $3000 in 3 months, $89/annual fee.

- Wyndham Earner Visa - Earn 45,000 points after spending $2000 in 6 months, $0/annual fee.

- American Express Gold Card - Limited Time Offer 90,000 Points after spending $6000 in 6 months, $325/annual fee (with lots of perks to off-set the annual fee).

- American Express Marriott BonVoy Brilliant - Limited Time offer 185,000 Points after spending $6000 in 6 months, $650 annual fee ($300 Dining credit - $25/month towards restaurants).