Discover Card: 5% Reward Categories for 2013

by Michael on Sep 15, 2013 · 3 comments

Discover it Card

As with Citi and Chase, it’s time for Discover cardholders to enroll in the new bonus reward categories for Fall 2013. Full details can be found below.

As a reminder, Discover (and others) adopted rotating reward categories a few years ago. This means that you can get 5% cash back on select purchases, but only if you manually enroll for the latest offer each quarter.

Here are the broad categories (see below for details):

  • January to March: Restaurants and movies
  • April to June: Home improvement stores
  • July to September: “Summer Fun”
  • October to December: “Holiday Shopping”

Winter 2013: The winter 2013 categories, which ran from Jan 1 – Mar 31, included restaurants as well as movie theaters, video rental stores, online movie ticket vendors, and online movie rental services.

Spring 2013: The spring 2013 categories, which ran from Apr 1 – Jun 30, included home supply retail stores, lumber/building material stores, paint/wallpaper stores, hardware stores, and lawn and garden supply centers.

Summer 2013: The summer 2013 categories, which ran from Jul 1 – Sep 30, included up to $1,500 in purchases made at gas stations.

For Fall 2013, the situation couldn’t get any simpler. The “Holiday Shopping” category refers to up to $1,500 in online purchases. That’s pretty sweet.

All non-bonus purchases are subject to the standard rewards schedule of 1% cash back. As always, there’s no annual earnings limit and no annual fee.

Enrollment for the fall quarter is currently open. To sign up, login to your online account or call the number on the back of your card. Also, as far as I know, reward activation is not retroactive, so do this as soon as possible.

And if you don’t currently have a Discover Card but want one…

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1 The College Investor December 7, 2012 at 1:19 am

I’d really try to take advantage of these cards more, but I find them hard to follow sometimes. I just stick to my 1.5% cash back card that pays out each month – it keeps it really easy.

2 Luke June 16, 2013 at 9:56 pm

This manual enrollment business is the big catch. Most people won’t remember to enroll every quarter. And even if they do, the card companies can always ignore the enrollment, hoping the user won’t notice.

3 Michael June 16, 2013 at 10:25 pm

Luke: Yep, it’s very easy to forget. But that’s what I’m here for. To make sure you don’t forget. 😉

I’ve never had trouble with them honoring enrollment. I can’t imagine it would be worth the risk for a major issuer.

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