The Discover it Cashback Match credit card is a great way to save on travel expenses that you cannot pay with miles or points. This is one of my favorite cards, which I recommend in my Travel Credit Card Plan, because it has no annual fee and can net you savings on things for which there are typically no coupons.

By taking advantage of the Discover Cashback Calendar, which offers 5% cashback on rotating categories every quarter, you can score savings on items that don’t typically lend themselves to coupons.

The fourth-quarter category, which earns you 5% cashback on Amazon and warehouse club purchases is now available to ACTIVATE. This is my favorite quarter, because outside of Amazon, there are no coupons for shopping on Amazon. We do SO much holiday shopping on Amazon in the fourth quarter, so this helps shave at least $75 off of our spending in a way we would not otherwise be able to do.

Each quarter of the Discover Cashback Calendar, the credit card offers new categories of items that allow you to earn 5% cash back on up to $1,500 in purchases. If you are a card holder, you need to “activate” the bonus category each quarter usually about two months in advance.

Here is my review of Discover it Cashback Match.

Third Quarter 5% Cash Back Category Now Active: Restaurants

Discover Cashback Calendar

The third quarter category, which is 5% cash back at restaurants, is ACTIVE. Right now, you can spend up to $1,500 July-September, 2018 at restaurants and earn 5% cash back, which would be a $75 savings. That is a hefty dining out coupon!

There generally NOT a lot of ways to save at restaurants, so this is a great way to add some extra savings you would not ordinarily be able to get. We used this category on a trip to Walt Disney World to save on our dining expenses, as Disney is not fond of giving out coupons! So it helped make our Disney trip a little less expensive :).

AND you can now ACTIVATE the fourth-quarter category for and warehouse clubs, which includes Costco and Sam’s Club. The fourth-quarter category kicks in October 1, 2018.

Go ahead and activate it now before you forget!

How to Activate the Current Discover Cashback Calendar Category

To activate your Discover Cashback bonuses, do the following:

1.  If you have a Discover it Cashback Match card, simply log into your account at

2.  Then click on Rewards and 5% Cashback Bonus from the dropdown menu. This will bring up a screen with all the rotating categories in the Discover Cashback Calendar.

3.  Scroll down to the quarter/category you’d like to activate (you’ll only be able to activate upcoming featured categories).

4.  Click the orange ACTIVATE button.

If you’d like to apply for Discover it Cashback Match (it has no annual fee), please start at the TRAVEL CREDIT CARDS links in the main menu above or the Compare Credit Cards link below. My blog depends on affiliate income and these links allow me to earn a commission — at no cost to you — to help support the blog so I can continue to bring you great information FREE!

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Discover It cashback match Card

Discover Cashback Calendar 2018 Categories

Here are the 5 percent cashback categories for 2018. For each quarter you can earn a maximum of $1500 cashback in the specified category.

January-March: Gas Stations and Wholesale Clubs (expired)

Some gas stations affiliated with superstores and supermarkets may not be eligible. TIP: Some readers like to purchase gas station gift cards, earn the 5% cashback and then continue to use the gift cards throughout the year.

April-June: Grocery Stores (expired)

Gas stations, supercenters, discount stores, warehouse clubs and convenience stores are NOT included in this category. This is for stand-alone grocery stores like Kroger, Ralph’s, Publix, Harris Teeter, etc.

July-September: Restaurants (active)

I LOVE this one! This is an easy way to save at restaurants, which rarely have coupons. Plus, enroll your Discover card in Southwest Rapid Rewards Dining and earn Southwest points for free flights, too, at no additional cost!

October-December: and Wholesale Clubs (available for activation)

One of my favorite times of year to use the Discover it Cashback Match credit card is during Christmas and the holidays. In past years, has been the featured category for the Discover Cashback Calendar fourth quarter. We do lots of shopping at Amazon and find that other than Amazon’s sales, there are not a lot of easy ways to score a deal on this popular retail website.

Wholesale clubs get TWO quarters in 2018, so head to Costco, Sam’s Club, etc. for some shopping.

How to Take Advantage of Discover Cashback Calendar Bonuses

Anytime you use your Discover card to pay for a purchase that qualifies as that category — say dining at a restaurant or purchasing an item on — it will automatically credit 5% back to your Discover card, which is available for use at the end of the credit card billing cycle.

At this point, you will be able to choose how you’d like to get your cash back. To do so, you will choose Rewards and then Redeem Rewards. You can then choose from:

  • Depositing into your bank account
  • Crediting to your Discover card bill
  • An credit
  • Gift cards for popular restaurants and stores with at least $5 free added to each card — This is a GREAT way to increase your savings!
  • Donate to charity

We either deposit it directly into our bank account, credit to our discover bill or purchase a gift card for a store or restaurant we regularly use or patronize to extend our savings even further.

Earn Double Cash Back Your First Year

BONUS: If you are a NEW cardholder for Discover it Cashback Match, Discover will DOUBLE all your earnings at the end of your first year of holding the card. So your 5% on restaurants, Amazon, etc. becomes 10%!! This is a huge perk of this card!

Another card that offers rotating cash back categories is Chase Freedom. Check out my Chase Freedom review. Or if you’d prefer to earn miles that you can use for travel credits on your Discover card, check out my Discover it Miles review.

Thanks again for using my TRAVEL CREDIT CARDS link in the main menu above or the Compare Credit Cards link below to review cards and for any and all card applications!

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