Discover Q3 2025 5% Categories: Gas Stations, EV charging, Public Transit and Utilities

Discover has released their rotating 5% categories for the third quarter of 2025, up to $1,500 in purchases:

  • Gas and EV charging
  • Utilities (Utilities purchases include purchases for residential electricity, natural gas, and water service. Utilities purchases also include purchases made over the phone or online for internet, cable, satellite TV, and mobile and landline phone service. Purchases at retail stores for internet, cable, satellite, and mobile and landline phone service do not qualify. Purchases made through third parties, such as through a landlord, property management company, or homeowners association, may not qualify.)
  • Public Transit (Public Transit purchases include local commuter passenger bus, rail, and ferry services. Taxi, rideshare services-including shared bikes and scooters-long-range passenger landrail, and water transportation services are not included.)
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32 Comments
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alan
alan (@guest_2071675)
June 3, 2025 15:00

what a crappy offering!
hope this is unrelated to the takeover by Crap1

Eric 🔗
Eric 🔗 (@guest_2071678)
June 3, 2025 15:02

IMO, the only category better than Gas is Grocery so we’ll have to agree to disagree.

Raymond 🔗
Raymond 🔗 (@guest_2071825)
June 3, 2025 19:20

Nope. Its PayPal for me. Almost there is 5x card for all the rest

Eric 🔗
Eric 🔗 (@guest_2072079)
June 4, 2025 05:57

There may be 5X cards for the rest. However, it’s unlikely that we all have cards that are 5X on Gas & Grocery. Even if we do, it’s even more unlikely that we have cards that are unlimited on those. Therefore, Gas & Grocery are always welcome 5X categories, IMO.

Mitch
Mitch (@guest_2071778)
June 3, 2025 17:59

utilities? that’s amazing. there are no other cards that gives bonus percentage for utility that I am aware of.

Stefan
Stefan (@guest_2071824)
June 3, 2025 19:20

The US Bank Cash+ card can be used to get 5% back on utilities as one of two 5% categories, and those categories generally don’t change from one quarter to the next. I’ve been getting 5% back on utilities on that US Bank Cash+ card for years now, every quarter.

Celia 🔗
Celia 🔗 (@guest_2071828)
June 3, 2025 19:21

Mitch The Elan cards has utilities as a 5% category year round (USB Cash, Associated Bank Max are two examples).

Mitch
Mitch (@guest_2071834)
June 3, 2025 19:34

Thanks this is helpful. I think discover is probably a bit more superior given you can redeem for extra bump when redeeming with giftcards. Hopefully with merger with CO there will be more flexible option to redeem with partners eventually.

Do you know if there are similar business cards that has 5% categories like this? I don’t think these cards would be good for 5/24 purposes but if its business card I might be interested!

ShawntheShawn👈🏾
ShawntheShawn👈🏾 (@guest_2071965)
June 3, 2025 23:02

(Update) FutureCard Climate-Friendly Visa Debit Card Offers 5% Back On Select Public Transport, EV Charging & More – Doctor Of Credit

No credit or Chex pull for a debit card. On top of the 5% cashback on utility, they offer good offers like 10% back on utility, etc. from time to time. Mitch

mark
mark (@guest_2071579)
June 3, 2025 12:21

I wonder what percentage of utility companies actually accept Disocver, promotion might just make a lot of people realize that they cannot use their Discover to pay their utilities.

randomguy
randomguy (@guest_2071294)
June 2, 2025 20:52

Too bad Costco doesnt take Discover, otherwise I could have used the 5% on Gas 🙁 Will have to prepay utilities I suppose 🙁

DanDan
DanDan (@guest_2072358)
June 4, 2025 15:17

Sam’s Club Gas station codes as gas for discover. Costco gas will not even if you could since it codes as wholesale.

Frey
Frey (@guest_2072414)
June 4, 2025 16:32

Are you sure? I’ve used my Freedom Visa at Costco gas stations during Chase’s gas category.

Eric 🔗
Eric 🔗 (@guest_2071178)
June 2, 2025 16:29

Am I the only one that has a case of deja vu? 😉

Anon
Anon (@guest_2071093)
June 2, 2025 14:11

Is doing a product transfer allowed now?

mrks_
mrks_ (@guest_2071075)
June 2, 2025 13:14

If you want 5% on utilities just get a Cash+. IME changing autopay for utility providers is a headache.

H.P.
H.P. (@guest_2071265)
June 2, 2025 19:15

Some utility companies require documents to change the name on the account, but usually they will let you change the autopay info online. Even if you can’t /don’t want to change the autopay, you can make manual payments with the Discover card during the months of July-Sept before the autopay date. When your account balance is zero, the autopay doesn’t kick in. At least that’s how it works with my utility companies.

LB
LB (@guest_2072185)
June 4, 2025 10:32

Except over here getting 10% due to churning. Though that Cash+ card does have a higher cap. Here one the unities don’t allow for auto-pay with credit cards and it is a flat rate of a three dollars, though the payment for paying limits you to $1,000 though I would be hesitant to overpay / pre-pay by much more anyway. H.P. also replied a good idea of using guest pay to pre-pay before auto-pay kicks in.

Jayson
Jayson (@guest_2070973)
June 2, 2025 09:30

More useful if my utilities companies took discover, which not.

Lets hope that Chase Freedom Flex do not overlap on the Gas Category

idkmybffjill
idkmybffjill (@guest_2070936)
June 2, 2025 07:43

Thanks for the reminder !

Xatos
Xatos (@guest_2070934)
June 2, 2025 07:34

Nice, looks like I’ll be maxing out this quarter.

Abe
Abe (@guest_2070908)
June 2, 2025 03:57

More useful if my utility company took discover.