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Maximizing Discover 4th Quarter Bonus Categories
It’s that time of year again! No, I’m not talking about fall or the holidays, I’m talking about the Discover’s 4th quarter bonus categories! Discover has finally announced and opened registration to earn 5% at Amazon and Target from October-December, 2017.
Compared to last year’s categories of Department and Clothing stores things are a bit more restrictive, but given the popularity of Target & Amazon most probably won’t notice.
How It Works
The Discover it card earns 5% cashback on up to the first $1,500 in bonus category spend per quarter. If you are able to fully maximize the benefit then you can earn $75 cash back every 3 months.
You have to activate the bonus before making your purchases in order to get the 5% back. The 4th quarter bonus categories can be activated now by visiting this page and logging into your account.
You can buy pretty much anything and everything you need at Amazon or Target, so it’s pretty easy to maximize this bonus. Both stores also have a nice collection of gift cards. Personally, I’ll probably be using this at Target because I have an Amazon store card that earns me 5% back already. To really maximize your value, make sure you go through a shopping portal for extra cashback or miles.
3rd Quarter Reminder
As a reminder Discover is paying out 5% at restaurants on the 3rd quarter. Don’t forget to maximize your $1,500 in spend for Quarter 3 by the end of September. Some people buy restaurant gift cards for future use, especially if those brand’s gift cards can’t be found for a discount elsewhere.
Get the Card
If you don’t have the Discover it card currently, you can earn double cashback your first year. That means you earn 2% cashback on normal purchases and 10% cashback on bonus category purchases.
If you use a referral link then you also get $50 when signing up which is doubled to $100 as well.
Discover’s 4th quarter bonus categories are fairly easy to maximize given the wide variety of merchandise and gift cards that both Amazon and Target carry. Just don’t forget to activate the 4th Quarter bonus categories before you make any qualifying purchases or you won’t earn the bonus cash!
Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.