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Discover 2016 Bonus Categories Fully Announced
In previous years Discover has released the entire calendar for their 5% bonus categories in advance, but for some reason they were a little shy about it this year. Back in late 2015 they only released the Q1 categories (which are gas & ground transportation) and 10 days ago I covered the announcement of their fantastic 2nd quarter categories.
Thankfully it hasn’t taken long for them to finally announce the entire calendar. Today it appears that the bonus categories for the 3rd & 4th quarters are showing on Discover’s website. Here is the full list of the Discover 2016 Bonus Categories:
- Quarter 1: Gas & Ground Transportation
- Quarter 2: Restaurants and Movies
- Quarter 3: Home Improvement & Amazon.com
- Quarter 4: Amazon.com & More
To be fair, they still haven’t released the full terms for each of the categories and the 4th quarter is still a little vague, but at least we know what we have to look forward to. While I would have loved to see a grocery store bonus like we see with the Freedom, it could be worse.
As I wrote about with the 2nd quarter announcement, I really like the restaurants category. What is nice is that Discover earns 5% at restaurants for the 2nd quarter and Freedom earns 5% for the 3rd quarter. This means that restaurant spend is earning 5% (or more with transfers or Double Cashback) for half of the year.
We also don’t see any overlap in the 3rd quarter with Freedom having restaurants and Discover having home improvement. Keep in mind that many stores that are considered home improvement stores sell a wide variety of gift cards. In the past stores like Sears, Lowe’s and Home Improvement have all been in this category.
It is nice to have an idea of what the 5% year will look like with for Discover. You can find the calendar for the Freedom and Dividend cards here if you are interested in comparing. While I am happy about restaurants in the 2nd quarter and home improvement in the 3rd quarter, Amazon doesn’t excite me since I still have a lot of credit from last year’s Amex Offer. Hopefully we’ll get a nice companion to Amazon in the 4th quarter. We’ll just have to wait to see.
HT: Doctor of Credit
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