Entertainment joins 5% lineup

For the first time, Discover's Q4 5% cash back includes entertainment. You'll earn the bonus on movies, concerts, and live sports.

“This is the first time entertainment made Discover's 5% cash back list.”

Restaurants return for Q4

Restaurants make their second appearance this year with 5% cash back on dining in, takeout, delivery apps like Grubhub and DoorDash, and catering.

“Earn 5% back on dining in, takeout, delivery apps (Grubhub, DoorDash, Uber Eats) and catering.”

Utilities offer bill relief

The utilities category covers recurring bills like electricity, water, internet, and phone services at 5% cash back to offset rising energy costs.

Cap limits your earnings

You only earn 5% back on the first $1,500 in combined category purchases, which caps your quarterly bonus at $75.

“You'll only earn 5% back on the first $1,500 charged for combined categories.”

Watch for utility fees

Many utility companies charge credit card fees that can eat into your 5% savings. Internet and phone bills typically have no extra charges.

“My water company charges $2.95 to pay via credit or debit card. This can eat into the 5% back.”

Activation is required

The 5% bonus doesn't activate automatically. Log into your Discover account online or app, call 1-800-347-2683, or click a promotional email to activate.

“You won't receive the 5% back automatically unless you activate it.”

Long-term savings compound

Over five years of hitting the $75 quarterly cap, cardholders can save around $1,500 on everyday expenses they'd make anyway.

“We've had the card for over five years and always hit the bonus cap, meaning we saved around $1,500 on expenses.”

Card has real limitations

Discover isn't accepted at Costco or some small businesses. Travelers and streaming enthusiasts may find better rewards with American Express or other cards.