Published in: Credit Cards | Dec. 12, 2018

Discover Cash Back Calendar

It’s refreshing to be in a situation where your credit card issuer pays you, rather than the other way around.

Bills and coins sitting on calendar

Image source: Getty Images

Discover's cash back calendar helps cardholders earns rewards at amped-up rates that are among the highest for the best cash-back credit cards. However, there are certain caveats and rules governing that high rate. But once you’ve become aware of them, earning 5% cash back is quite straightforward. Here’s the skinny.

Discover cash back calendar for 2019

As with other credit products that offer high cash back rates, Discover it® Cash Back, Discover it® Balance Transfer, and Discover it® Student Cash Back cards earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum ($1,500 of spending) each time you activate. The cash-back calendar for 2019 is as follows:

  • January through March: Grocery stores.
  • April through June: Gas stations, Uber & Lyft.
  • July through September: Restaurants.
  • October through December: Amazon.com.

Another important thing to remember is that users must activate these rewards quarterly. The simplest way to activate is through your online dashboard and Discover will send you an email notice to activate before each quarter’s new category kicks in. You can also activate by calling 1-800-DISCOVER (1-800-347-2683). 

Our #1 cash back pick has a surprise bonus

This may be the perfect cash back card! That's because it packs in $1,148 of value. Cardholders can earn up to 5% cash back, double rewards in the first year, and avoid interest well into 2020. With such a deep bench of perks you'll wonder how this card packs in a $0 annual fee. Best yet, you can apply and get a decision in two minutes. Learn more with our in-depth review.

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