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2019 Discover Cashback Calendar

2019 Discover Cashback Calendar

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This article was last updated Apr 10, 2019, but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.

Discover revealed the entire list of 5% cashback categories that you can take advantage of in 2019, so you can plan your spending for the year. That’s great news for Discover it® Cash Back and other eligible Discover cardholders who earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate, 1% unlimited cash back on all other purchases - automatically.

Here, we’ll review the 2019 cashback calendar, what you need to know to earn 5% cashback and how the Discover cashback calendar compares with the Chase Freedom® cashback calendar.

Discover’s 5% Cashback Calendar 2019
Jan-Mar

(activate now)

Apr-June

(activate starting Feb. 1)

July-Sept

(activate starting May 1)

Oct-Dec

(activate starting Aug. 1)

Grocery stores Gas stations, Uber and Lyft Restaurants, PayPal Amazon.com, Target, Walmart.com (including grocery delivery)

Here’s what you need to know:

  • You need to activate the bonus categories to earn 5% cash back. Login to the Account Center or call 1-800-DISCOVER (1-800-347-2683) to activate.
  • Each quarter, 5% cash back is limited to $1,500 in spending. After you hit that ceiling, you’ll earn 1% cash back.
  • All purchases outside the bonus categories automatically earn 1% cash back.
  • Eligible cards include:

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*

  • Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*

  • Any amount, any time. Cash back rewards never expire*

Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Cash Back

More Info

  • No FICO History Required

  • 0% for 6 Months*

  • 14.99% - 23.99% Variable*

Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO®
  • Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.99% - 23.99%.
  • See Rates & Fees

See additional details for Discover it® Student Cash Back

More Info

  • 0% for 14 months on purchases and balance transfers*

  • Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*

  • 13.99% - 24.99% Variable*

Highlights
  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • See Rates & Fees

See additional details for NHL® Discover it®

More Info

  • 0% for 18 months on balance transfers & 0% for 6 months on purchases*

  • Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*

  • 13.99% - 24.99% Variable*

Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Balance Transfer

More Info

How the 2019 calendar compares with 2018

The 2019 cashback calendar is very similar to 2018’s calendar, with the addition of PalPal, Target and Walmart. What’s missing is the absence of wholesale clubs in 2019. Last year, Discover cardholders benefitted from wholesale clubs as a bonus category twice — during the first and last quarters of 2018. Without wholesale clubs as a bonus category in 2019, you can’t earn 5% cash back on purchases at popular Costco and Sam’s Club outlets.

There is also another new addition for 2019 as rideshare services Uber and Lyft are now included with gas stations from April to June.

Discover cashback calendar vs. Chase cashback calendar

While Discover released its entire 2019 cashback calendar, Chase has only released the categories for the first quarter of the year for the Chase Freedom®. Chase tends to build the anticipation and reveal categories throughout the year. However, looking at past years, grocery stores and department stores will most likely be included.

Here’s what we know so far:

  Discover it® Cash Back Chase Freedom®
Jan-Mar Grocery stores Gas stations, tolls, drugstores
Apr-June Gas stations, Uber and Lyft Grocery stores (not including Target and Walmart) and home improvement stores
July-Sept Restaurants, PayPal

Gas Stations and Select Streaming Services

Oct- Dec Amazon.com, Target and Walmart.com TBA

Which cashback program is better?

It’s hard to choose the best cashback program for two reasons. First, Chase hasn’t released the full cashback calendar, so we don’t know which categories will be included for the rest of the year. Second, everyone has different spending habits. Depending on where you shop most should help you determine which card is a better fit.

If you’re in the market for a new cashback card, you should also take a close look at the Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer, which will provide cardholders a flexible rewards program beginning Jan. 14. Existing and new Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer holders will be able to earn 3% cash back in one of six categories: gas, online shopping, dining, travel, drug stores or home improvement and furnishings; 2% at grocery stores and wholesale clubs; and unlimited 1% on all other purchases. Cardholders can choose which category they want to earn 3% in every month.

  • 0% Introductory APR on purchases for 15 billing cycles

  • 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

  • 15.99% - 25.99% Variable APR on purchases and balance transfers

Highlights
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% - 25.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

See additional details for Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

More Info


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