Have a Discover it® Cash Back or Discover it® Student Cash Back credit card? Get ready to earn more money back! In the first three months of 2025, you can earn 5% cash back when you eat out, fix up your home, or enjoy certain streaming services.
Unlike some credit cards that give you the same amount of cash back for everything you buy, Discover switches things up every few months.
This means that you can earn extra cash back in different shopping categories each quarter, once you tell Discover you want to join in on these deals.
How It Works in Simple Steps:
- Sign Up: First things first, you have to let Discover know you want the extra cash back. Go to their website, log in, and activate the deal. If you buy things before you sign up, you won't get that sweet 5% back.
- Spend Up to the Limit: Once you've signed up, you'll get 5% back on up to $1,500 in purchases in the special categories for that quarter. After that, you'll get 1% back.
- Watch the Dates: The promotion runs from January 1st to March 31st, 2025. The date you make your purchase is what counts, so keep that in mind for online orders.
Places to Earn More
- Eating Out: Whether you're sitting down for a meal at a full-service restaurant, grabbing a quick coffee at a café, or even ordering a meal to be delivered, you're in for some extra cash back. Just remember, if the restaurant is part of another business, like a hotel, it might not count.
- Fixing Up Your Home: Head to your local home improvement store, garden supply shop, or a building supply store and earn more when you spend. But, if you're hiring someone like a contractor for the work, it might not qualify.
- Streaming Movies and Music: With a long list of services including Netflix, Spotify, and Amazon Prime Video, chilling at home just got better. But if you pay for your services through another company or as part of a bundle, check first to make sure you'll still get the cash back.
Don't Miss Out
Remember, you won't get the bonus cash back until you tell Discover you're in. Once you're all set, you can start earning more cash back in these categories.
If you're worried about forgetting to sign up, don't be—you can do it anytime during the quarter.
Plan Your Spending
To make the most of the 5% offer, think ahead about what you'll buy.
Buying gift cards during the 5% period to use later or booking travel when it counts for extra cash back are smart moves.
Turning Rewards into Real Money
When you collect enough cash back, you can use it to lower your credit card bill, transfer it to your bank account, shop at places like Amazon, or even donate it. Plus, there are gift cards from certain stores available too.
And that's it! You're ready to make the most of your Discover credit card's cash back calendar. Just remember to sign up and plan accordingly to enjoy the extra rewards.
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