Discover 5% Categories Calendar for 2018

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Please check out the Current Cashback Calendar for 2019.

Discover has announced its 5% bonus earning categories for 2018. The 5% earning is open to holders of the Discover® More® Card, and the Discover it® Card. Each quarter you can earn 5% in specific categories on the first $1,500 of spending.

Discover 5 Percent Calendar Q4 2018

2018 5% Earning Categories

  • January to March: Earn 5% at gas stations and wholesale clubs
  • April to June: Earn 5% at grocery stores
  • July to September: Earn 5% at restaurants
  • October to December: Earn 5% at Amazon.com and wholesale clubs

If you maximize your earning during the whole year, you will earn the equivalent of $300 back on $6,000 of spending in the various categories.

Gas Station & Wholesale Clubs Terms

Discover 5 Percent Gas and Wholesale Clubs

  • Purchases at gas stations affiliated with superstores may not be eligible
  • Some wholesale club purchases such as cell phones and travel may not be eligible
  • Purchases made using tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible
  • Rewards will be added to your account within two billing cycles

Grocery Stores Terms

Discover 5 Percent Grocery Stores

  • Purchases at convenience stores, gas stations, warehouse clubs, supercenters, discount stores are not eligible
  • Grocery purchasers at grocery stores associated with supercenters or discount stores are not eligible
  • Purchases made using tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible
  • Rewards will be added to your account within two billing cycles

Restaurants Terms

  • Purchases made at full-service restaurants, cafes, cafeterias and fast food locations are eligible for 5% earning
  • Purchases made using tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible
  • Rewards will be added to your account within two billing cycles

Amazon.com & Wholesale Club Terms

Discover 5 Percent Amazon

  • Amazon purchases are those delivered through the Amazon.com checkout and include: Digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals, Amazon Prime subscriptions and items sold by third-party merchants
  • Some wholesale club purchases such as cell phones and travel may not be eligible
  • Purchases made using tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible
  • Rewards will be added to your account within two billing cycles.

Overall

The Discover rotating category discounts, along with those offered by Chase to their Chase Freedom® cardholders, can be very lucrative for earning at the bonus categories. Altering your spending so that you are at 5% back as much as possible can give you some great value over the year. Marry the bonus categories with Discover’s double cashback for the first year for the Discover it® Card, and there is some amazing value to be had in 2018 with Discover.

Discover 5% Categories Calendar for 2018
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Comments

  • Jacqueline says:

    Some good retailers in the list, liking Amazon for instance to get discount with.

  • deerseason says:

    I appreciate their consistency. I’m mad I didn’t max out grocery spend on the Discover this quarter and put it all on the Freedom, and then subsequently over-maxed out the Freedom bonuses with Paypal spend. I had (and continue to have) much more paypal spend than I had bonus room for.

  • Jamie Euban says:

    Thanks for the reminder. And like the above poster said, I appreciate their consistency.

  • Thank you for this information, I have been primarily using my Chase Freedom and transferring the points to my CSR.

  • charles j says:

    Even better if you have use for the gift card redemption options, where you can redeem $20 for a $25 card or $45 for a $50 card.

  • Thanks for the info. I’ve been saving nicely on groceries right now. I will sign up for Jul-Sep restaurant category ASAP. I wonder what the Chase category will be.

  • I also don’t have the discover card because I prefer to put my spending on the Freedom card. (I don’t spend enough to max out two different cards.) I appreciate that Discover publishes their 5% categories a bit earlier than Chase does since Chase always seems to have similar categories. Its only the end of the year that seems to be different between the two cards. I’m hoping the Freedom will continue to have Chase Pay (or other electronic payments) as one of the categories. That has made it so much easier to max out the 1500 dollars.

  • I like the restaurant rebates

  • Nice article to remind me that I actually have a Discover It cc. It seems to get overshadowed by my Freedom card.

  • I wish the categories wouldn’t overlap with Chase Freedom. I can only spend so much on groceries April-June

  • I mainly focus on the Freedom and my husband focuses on his Discover and Amazon. This is good to remember. Thank you! I always forget that they have these!

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