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As we enter the new year, it’s time to re-evaluate your credit card strategy. If you’re a Discover It cardholder, you know that one of the biggest perks of this card is the cash back rewards program. But did you know that the rewards you earn can vary depending on the time of year? That’s where the Discover It cash back calendar comes in. In this article, we’ll explore what the cash back calendar is and how you can use it to maximize your rewards in 2023.
Table of Contents
What is the Discover It Cash Back Calendar?
The Discover It cash back calendar is a schedule of bonus categories that change every quarter. These categories earn you 5% cash back on up to $1,500 in purchases. The rest of your purchases earn 1% cash back. The categories range from gas stations to grocery stores to Amazon.com, and everything in between.
Here’s the 2023 Discover It cash back calendar:
- January – March: Gas Stations, Wholesale Clubs, Internet, Cable and Phone Services
- April – June: Groceries, Home Improvement Stores
- July – September: Restaurants, PayPal
- October – December: Amazon.com, Target.com, Walmart.com
How Can You Maximize Your Rewards?
To maximize your rewards, you’ll want to take advantage of the bonus categories each quarter. Here are some tips:
Quarter 1: Gas Stations, Wholesale Clubs, Internet, Cable and Phone Services
If you have a long commute or travel frequently, this quarter is perfect for you. Use your Discover It card to fill up your tank at gas stations, or shop at wholesale clubs like Costco or Sam’s Club. You can also earn rewards on your internet, cable and phone bills.
Quarter 2: Groceries, Home Improvement Stores
This quarter is great for families who spend a lot on groceries. Shop at your favorite grocery stores and earn 5% cash back. If you’re planning any home improvement projects, this is also a good time to stock up on supplies at stores like Home Depot or Lowe’s.
Quarter 3: Restaurants, PayPal
If you love dining out, this is the quarter for you. Use your Discover It card to pay for meals at restaurants and earn 5% cash back. You can also use PayPal for online purchases and earn rewards.
Quarter 4: Amazon.com, Target.com, Walmart.com
This quarter is perfect for holiday shopping. Use your Discover It card to shop at Amazon, Target or Walmart and earn 5% cash back. You can also take advantage of online sales and deals.
Question and Answer
Q: How do I activate the bonus categories?
A: To activate the bonus categories, simply log in to your Discover account and click on “Activate” for the current quarter. You can also activate the bonus categories by calling the phone number on the back of your card.
Q: Is there a limit to how much cash back I can earn?
A: Yes, there is a limit of $1,500 in purchases per quarter that earn 5% cash back. Any purchases beyond that amount earn 1% cash back.
Q: Are there any exclusions to the bonus categories?
A: Yes, there are some exclusions to the bonus categories. For example, at gas stations, purchases of gift cards or prepaid cards may not be eligible for rewards. Be sure to check the terms and conditions for each category.
Conclusion
The Discover It cash back calendar is a valuable tool for maximizing your rewards in 2023. By taking advantage of the bonus categories each quarter, you can earn 5% cash back on up to $1,500 in purchases. Whether you’re a frequent traveler, a home improvement enthusiast, or an online shopper, there’s a category for everyone. Don’t forget to activate the bonus categories each quarter and check the terms and conditions for exclusions. Happy earning!