As many of you know, I carry a large number of credit cards in order to maximize the rewards offered by each one. One of these cards is the Discover® More Card!. I ONLY use my Discover card to make purchases when they fall within the 5% cashback categories. This takes a little work because you have to remember to sign up each time they rotate the categories, and you have to remember to use the card on those specific occasions. Additionally, each category period comes with its own purchase limit. For example the limit right now (Oct. -Dec.) is for $300 on restaurants, department stores, and clothing stores. It is a hassle, but it’s one that pays off. The 5% bonus is 2.5x greater than my standard card of choice so I tolerate it.
January–March Sign up NOW!
Earn 5% CashBack Bonus* on up to $800 in purchases January through March for travel and restaurants. Travel would include things like airlines, hotels, and car rentals.
March only Sign up starts February 1
Earn 5% CashBack Bonus throughout March for grocery and drug stores.
April–June Sign up starts March 1
Earn 5% CashBack Bonus April through June at home improvement, department, and clothing stores
July–September Sign up starts June 1
Earn 5% CashBack Bonus July through September for gas, hotels, movies, and theme parks
PS You may also be able to buy gift cards at these stores and have them count. For example, buy $500 worth of gift cards at your grocery store on March 29. You’ll get $25 in rewards and spend the card out over the next month or 2.