Been doing a lil of my own research and have a great idea to maximize the 5% on different categories, especially gas with these cards. Don't know if someone already came up with the idea on here, but here it goes. These two cards are perfect for offsetting!! The Chase Freedom is locked to 5% in certain categories each quarter, but with the US Bank+ card, you can choose your 5% each quarter. All you have to do is find out what's the going 5% for that quarter on the Freedom, then make sure you choose something else on the Bank+. With each quarter, you will always be getting 5% on a category you like. With the Bank+, you get to choose ANY two 5% and one 2% each quarter.
Q1 (Jan-March) Gas, Drugstores, Starbucks
Q2 (April-June) Restaurants and Movie Theaters
Q3 (July-September) Gas, Theme Parks, Kohls
Q4 (October-December) Amazon and Select Department stores
US Bank+ Card
*you can choose any combo all year round; (2) 5% and (1) 2%*https://cashplus.usbank.com/index.cfm/main/categories/demo/true
Then all you do is offset the cards. Bam, 5% all year round on anything with just two cards