Discover’s 5% Cash Back Quarterly Categories

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The main perk of the Discover it Cash Back Card is the ability to earn 5% cash back in rotating quarterly categories. 

Cash back is capped at $1,500 in spending each quarter, and you must activate it in advance to be eligible. 

Below is the Cash Back calendar for this year and when Discover historically offered each category.

Discover 5% Cash-Back Calendar for 2022

Here is the 5% Calendar for 2022: 

  • First quarter (January-March): Grocery stores, fitness clubs and gym memberships.
  • Second quarter (April-June): Gas stations and Target.
  • Third quarter (July-September): Restaurants and PayPal.
  • Fourth quarter (October-December): Amazon.com and digital wallets.

History of the 5% Cash Back Category

Below is the history of Discover’s 5% Cash Back Quarterly Categories since 2017:

Amazon

Amazon.com has been chosen six times for 5% cash back all in the Fourth Quarter of 2017, 2018, 2019, 2020, 2021, and 2022.

Grocery Stores

Grocery stores have been chosen five times for the 5% Calendar in the First Quarter of 2018, 2019, 2020, 2021, and 2022.

Restaurants

Restaurants have been chose six times for the 5% Calendar in the Third Quarter of 2017, 2018, 2019, 2020, 2021, and 2022.

Gas Stations

Gas stations have been chosen six times for the 5% Calendar in the Second Quarter of 2017, 2018, 2019, 2020, 2021, and 2022.

PayPal

PayPal has been chosen three times for 5% Cash back in the Third Quarter of 2020, 2021, and 2022.

Target

Target has been chosen four times for the 5% calendar, with online purchases on Target.com for Fourth Quarter of 2020 and 2021, and in-store at Target in the Second Quarter of 2022 and Fourth Quarter of 2017. 

Walmart.com

Walmart.com has been chosen twice for the 5% Calendar in the Fourth Quarter of 2020 and 2021.

Wholesale Clubs

Wholesale clubs like Costco and Sams Club have been chosen six times for the 5% Calendar for:

  • First Quarter of 2017 and 2018
  • Second Quarter of 2017, 2020, and 2021
  • Fourth Quarter of 2018

Home Improvement Stores

Home improvement stores like Home Depot and Lowes were chosen one time in the Second Quarter of 2017.

Home Depot was also chosen for June 2020 (but not the full quarter).

CVS and Walgreens

CVS and Walgreens have been chosen twice for 5% Cash Back for the First Quarter of 2020 and 2021.

Uber and Lyft

Uber and Lyft have been chose twice for the 5% Calendar in the Second Quarter of 2019 and 2020. 

Other Categories

Fitness Clubs and Memberships = 2022 Q1

Select Streaming = 2021 Q2

Digital Wallets = 2022 Q4

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