Posted by William Charles on November 1, 2018
Credit Card Offers

Published on November 1st, 2018 | by William Charles

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Discover Announces Full 2019 5% Cashback Calendar

Discover has announced all of the rotating 5% cashback categories for 2019. The categories are as follows:

  • Q1 (January–March): Grocery Stores

  • Q2 (April–June): Gas Stations, Uber & Lyft

  •  Q3 (July–September): Restaurants

  • Q4 (October–December): Amazon.com

Nidhin Mattappally, director of rewards strategy at Discover had this to say:

We release our full 5% Cashback Bonus Calendar as another way to make earning Cashback Bonus easier for our cardmembers and help them plan their spending throughout the year. The 2019 calendar is packed with popular categories that give our cardmembers a variety of places where they can take advantage of 5% Cashback Bonus on purchases.

I appreciate that Discover always gives us the full calendar well in advance, unlike Chase drip feed the information out over  the full year. It’s nice to see Uber & Lyft added for Q2 as well.



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Tom
Tom

I hope this isn’t what Discover considers “making it easier to earn cashback” after removing all other benefits. Always appreciate the grocery store category.

Alyssa
Alyssa

No club stores? Sad…

iahphx
iahphx

Yeah, looks like I won’t have to figure out a way to get a free club store membership next year — unless there’s a great AMEX Offer. That’s OK with me: I’m no fan of warehouse stores: I don’t think there are any bargains there, and I don’t like the large sizes.

Brian
Brian

Not like Costco accepts it anyways…

Rob
Rob

Discover IT should rebranded to Discover Sock Drawer. Their Checking/Savings accounts are pretty good though

Justin
Justin

Are you serious? These categories are so much better than Freedom and Citi Dividend categories. This covers practically all of my non-ms credit card spend.

Jags
Jags

At least Q1-Q3 are all on quarters where purchase protections don’t matter.

Q1 and Q3 spend will still go all on AMEX Gold and Q2 is a strong contender although Citi Premier 3x or perhaps a good AMEX gas offer will have me never using my Discover card again.

TechGuardian
TechGuardian

My thoughts exactly, only use Discover for consumables now so this works out for 1-3, going back in the safe for Q4 (got the Chase Amazon card)

Josh
Josh

no wholesale clubs 🙁

Fly
Fly

getting rid of warehouse clubs really sucks. was able to max out 3/4 categories because of warehouse and grocery stores.

Brian C
Brian C

At one point this would have been interesting to me…..but I don’t see myself using any of these if i was to get the card.

Q1 – prefer 4x MR from AMEX Gold
Q2 – Gas station may be useful, but usually thats covered by Chase freedom and gift cards. Or just 3x Thank you points. Uber and lyfy usage is too small to useful and i can always get at least 5% on gift cards for either service through one channel or another.
Q3 – Prefer 4x MR from AMEX Gold
Q4 – Prefer AMEX AMazon biz card as it has the same 5x but also include purchase protection and return protection.

JF
JF

If you don’t have the card already, the real draw is that your first year’s cashback gets doubled. Getting 10% back on groceries, gas, & restaurants makes it a lot more interesting.

Brian C
Brian C

That is a good point…

Josh
Josh

As a standard 5% there are viable alternates with other cards. However, if someone is in their first year with double cashback, 10% on these categories is pretty great.

CongestionCharge
CongestionCharge

Anyone know if discover consider Fred Meyer to be a grocery store?

Mike L
Mike L

It’s likely the same MCC as Visa. You can use this tool to lookup the Visa coding: https://www.visa.com/supplierlocator-app/app/#/home/supplier-locator

AK
AK

Thank you for the mapping. Do you have a similar lookup link for MasterCard and Amex too ?

KT785
KT785

They’re a subsidiary of Kroger, so I’m sure they’re considered a Grocery store. If in the Midwest, Meijer is also classified as a grocery store for credit card purposes even though they’re scope of inventory is more akin to Walmart than just groceries (think electronics, housewares, etc.).

BW
BW

The Fred Meyer I shop at codes as groceries for Discover, Visa, and MasterCard, but not Amex.

Mikey
Mikey

You also need to be careful with Sprouts Farmers Market. In Phoenix one store coded as groceries, another less than 10 miles away did not. Always do a “test” purchase first. After it goes from pending to posted in your account you’ll be able to see the category in which it was processed.

Information Booth
Information Booth

It’s not always the same as Visa. Example… Visa codes Target in my area as a grocery store… Discover and AMEX place it in the same discount store category as Walmart. John 3:16

MZ
MZ

Kinda surprised to see all the bashing. 4x MR vs 5% is not a fair comparison unless you can justify the AF on the Gold exogenously (i.e. without taking into account this 4x benefit), which is gonna be very YMMV.
IMHO no AF, 5%, and nice redemption option (>1c value) still makes Discover a very decent card. Not to mention they occasionally run double cashback or some spending challenge promo on existing accounts.

CC
CC

Capped at only 1500

Chucks
Chucks

Unless you got the 50k signup bonus and are holding onto it for the year…

Even then, $100 air fee reimbursement is easy to liquidate. $10/month at GrubHub is very plausible. You’re left with a $30 AF that’s easily made up with grocery and restaurant spend.

Is it YMMV? Sure, like everything. But easy to see even a modest restaurant/grocery shopper more than making up the difference.

Francisco J Rios
Francisco J Rios

You forget 20% back at restaurants for first three months up to $100. I just got approved and got the 50,000 points. Tried grubhub yesterday and I can’t count that into making money back. After fee and tip you really aren’t making your money back unless you were already using Grub Hub monthly.

tro
tro

do pickup with grubhub

Mimi
Mimi

Does anyone know if Discover considers WM neighborhood markets as grocery store? WM supercenter and Target are considered discount stores.

I was debating whether to close one IT card and open Miles and looks like I’ll proceed with it since I’m only interested to use card in Q1.

Mo
Mo

Folks have noticed that if you order via walmart grocery/pickup, it codes as grocery, for any walmart that has it.

Lrdx
Lrdx

AFAICT they are not.

MickeyMouse
MickeyMouse

The reason wholesale clubs isn’t in there is likely due to the fact that Costco only accepts Visa in Store. Due to this a majority of people who have Discover completely blow off that category. They either don’t know it’s accepted online or don’t want to put in the extra effort, so Discover took note.

Even though a lot of people on here may do that, we are sadly a minority.

Sa
Sa

Not sadly.

Brandon
Brandon

Wow. I really think about dropping the Discover card in the future. 1st quarter is good. Second, I won’t really use. Third and fourth I get unlimited via Savor/Uber and Amazon cards.

Closertothesun
Closertothesun

What’s the benefit to dropping it?

anthonyjh21
anthonyjh21

This may be the first year I don’t use any category. I understand some will find these useful, Q1 in particular, but the rest are already covered in bonus categories elsewhere.

Currently working on two amex BCP offers so there goes Q1.

As far as Q2 is concerned I have my Costco Visa at 4%. Not worth the effort for the additional 1%, plus it can’t be used for gas at Costco which is the cheapest around here.

Restaurants in Q3 may be ok for local places but overall I try to always use gift cards which exceed 5%. Plus we don’t eat out much in an effort to increase our saving rate.

Then there’s Q4 with Amazon, which is negated by the 5% Amazon card. That and the fact that if you look hard enough it’s easy to get more than 5% back on Amazon gift cards throughout the year.

I can see these categories being most useful for those that aren’t as heavily into discount optimizing as I am. I get it, not everyone has or wants to spend the energy to find alternatives. As for me, my Discover cards will be collecting dust until possibly 2020.

EastSideBK
EastSideBK

Anthonyjh21, thanks for the thoughtful reply. Out of curiosity what 2 BCP offers are you working on? Or are these just sign up bonuses?

Wayne
Wayne

Absolutely agree. For me as well only Q1, for the rest 9 months I put Discovery in my dresser.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

I really don’t understand the hate Discover gets. They have awesome customer service and the 5% categories are pretty decent. The Lyft and Uber are especially interesting to me. Obviously after the first year it loses value. But I will for sure be keeping my Discover after my first year expires in December. I maximize my 10 referrals a year and max out the 5% categories w/ MS.

Dylan
Dylan

I agree. Discover has raised my credit limit all the way from a measly $500 all the way to the current $4300 in a year and 3 months. Their customer service has been really good, and they seem to be one of the more MS friendly banks as well for me ;).

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