As they’ve done for the past couple of years, Discover Card has released its full cash-back calendar for the upcoming year. I really like that they do this and wish Chase would do this for their Freedom categories as well.
For Q1 the categories are Grocery Stores, Walgreens and CVS. Is it significant that other drug stores are excluded? I’m not sure. For me this is the easiest category to max out as I can buy Visa gift cards and load them to my Bluebird account.
Q2 categories are Gas Stations, Uber/Lyft and Wholesale Clubs. I no longer have any wholesale club memberships so that category doesn’t help me. In the past I’ve struggled with the gas station category as I usually only have to fill my car up 2-3 times per month and gas stations typically don’t sell $500 gift cards. But now that I have a Bluebird card again, I may see if I can find some gas stations that sell $100 or $200 cards and allow me to pay with a credit card. Time will tell.
For the third quarter, the categories are Restaurants and PayPal. I don’t use PayPal but usually have no problem maxing out the Restaurant category.
The last quarter’s categories are aimed at online holiday shoppers: Amazon, Walmart.com and Target.com. I won’t get close to maxing out but maybe I can make a dent in those categories.
You can activate the first quarter categories now. As always, the 5% cash back is good for up to $1500 in purchases each quarter.
Which quarter will be easiest for you to max out?