Discover Reveals Full 5% Cashback Bonus® Schedule for 2022

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RIVERWOODS, Illinois – (COMMERCIAL THREAD) – Discover today his full 5% Cashback bonus® Calendar for 2022 to help cardholders plan their spending and earn rewards. In addition to categories in which cardholders can earn on their daily purchases, such as grocery stores and gas stations, Discover added health club and gym memberships from January through March, extended to purchases in-store and online at Target from April to June, and added Digital Wallets from October to December.

“The Discover 5% Cashback Bonus program is designed to reward cardholders for their daily purchases in all the different places they shop. We’re excited to share again this year’s categories, which continue to be based on cardholder feedback and usage, ”said Geeta Chandan, Vice President, Rewards and Product Strategy at Discover. “As the pandemic exits, we know that consumers are eagerly anticipating in-store and online purchases and are ready to resume their gym and fitness activities. This year’s category evolution aligns with the broader spending shifts we’ve seen over the past year and a half.

Here’s a look at Discover’s 2022 award categories1, and the new additions cardholders can expect in 2022:

  • Quarter 1, January – March: Groceries and Health club and gym memberships2: New in 2022, the added category of fitness club and gym memberships will apply to a range of fitness centers across the country, from well-known national chains to local gyms, as well as in-person gym memberships.
  • Quarter 2, April – June: Gas stations and target3: Check out the increase in the Target offering this year. Now cardholders can earn 5% on online and in-store purchases, giving cardholders more options when purchasing everyday essentials.
  • Quarter 3, July – September: Restaurants and PayPal4: From onsite dinner to order, Discover helps cardholders satisfy their craving for flavors and rewards.
  • Quarter 4, October – December: Amazon.com and digital wallets5: Cardholders will receive 5% cashback every time they use their Discover it card to make a purchase through Apple Pay, Google Pay, Samsung Pay, or Garmin Pay, regardless of the retailer. Coupled with Amazon.com, cardholders have endless opportunities to find the perfect holiday gift, while earning 5% cash back.

Each quarter, find out® and find out more® cardholders can activate for 5% cash back on purchases up to $ 1,500 (maximum cash back $ 75) at various locations with no annual fee6. In addition to earning 5% cash back on daily purchases at different locations each quarter, Discover it cardholders automatically earn unlimited 1% cash back on all other purchases. And first-year cardholders will automatically receive an unlimited dollar-for-dollar match of any cash back rewards they earn at the end of their first year.7.

To learn more about the Discover 5% Cashback Bonus program, visit www.discover.com/5.

About Discover

Discover Financial Services (NYSE: DFS) is a digital banking and payments company with one of the most recognized brands in US financial services. Since its inception in 1986, the company has grown into one of the largest card issuers in the United States. The company issues the Discover Card, a pioneer in cash rewards in the United States, and offers private student loans, personal loans, home loans, checking and savings accounts, and certificates of deposit through its banking operations. It operates the Discover Global Network comprised of Discover Network, with millions of merchant and cash access points; PULSE, one of the country’s main ATM / debit networks; and Diners Club International, a global payment network accepted worldwide. For more information visit www.discover.com/enterprise.

1. Applies to All Categories: Purchases must be made from merchants in the United States. To qualify for 5%, the date of the purchase transaction must be prior to or the last day of the offer or promotion. For online purchases, the merchant transaction date may be the item ship date. Rewards are added to your account in both billing periods. Even if a purchase appears to fall under a 5% category, the merchant may not have a Merchant Category Code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not award MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 5% if the technology does not provide enough details about the transaction or a qualifying MCC. Learn more at Discover.com/digitalwallets. See the Cash Back Program Terms and Conditions for more information.

2. Activate to earn 5% Cash back bonus To Groceries (autonomous) and Health club and gym memberships from 1/1/22 (or the date you activate 5%, whichever is later) through 3/31/22, up to $ 1,500 in purchases. Grocery store purchases include those made at supermarkets, meat lockers, bakeries, small grocery stores and grocery delivery services. All purchases made at Walmart, Target, convenience stores, wholesale clubs, discount stores, and supercenters are not eligible. Health club and gym memberships include membership fees and health club purchases. Sports or recreational facilities may be eligible. Virtual and in-person fitness classes may be eligible. Individual merchants and stand-alone stores within fitness clubs, gymnasiums, sports or recreation facilities may not be eligible in this category.

3. Activate to earn 5% Cash back bonus To Petrol stations (autonomous) and Target 4/1/22 (or the date you activate 5%, whichever is later) through 6/30/22, up to $ 1,500 in purchases. Gas station purchases include those made from merchants classified as places that sell automotive gasoline that can be purchased at the pump or inside the station. Gas stations affiliated with supermarkets, supercentres and wholesale clubs may not be eligible. Target purchases include those made on Target.com, through the Target app, or in-store at Target. Purchases from individual merchants and stand-alone stores in physical target locations may not be eligible for this promotion. Purchases made online or through the Target app from Target affiliates, individual merchants, or stand-alone stores may not be eligible for this promotion, including, but not limited to targetoptical.com and targetphoto.com. Target and the Bullseye Design are registered trademarks of Target Brands, Inc. The listed merchants do not sponsor or affiliate with this program.

4. Activate to earn 5% Cash back bonus To Restaurants and Pay Pal 7/22/22 (or the date you activate 5%, whichever is later) through 9/30/22, up to $ 1,500 in purchases. Restaurant purchases include purchases from merchants classified as full-service restaurants, cafes, cafeterias, fast food outlets and restaurant delivery services. Pay Pal qualifying purchases are made through the PayPal online wallet, money transfers through PayPal using your card, and point-of-sale transactions using PayPal Here. Payments made through Xoom transfer services are not eligible for 5%. Using PayPal on restaurant purchases will only earn a total of 5%. PayPal and the PayPal logo are registered trademarks of PayPal or its affiliates. The listed merchants are in no way sponsors or affiliates of this program.

5. Activate to earn 5% Cash back bonus To Amazon.com and Digital wallets 10/1/22 (or the date you activate 5%, whichever is later) through 12/31/22, up to $ 1,500 in purchases. Amazon.com purchases include those made through the Amazon.com checkout, such as digital downloads, Amazon.com gift cards, Amazon Fresh orders, local Amazon deals, Amazon Prime subscriptions, and items sold by third-party merchants through the Marketplace from Amazon.com. Also includes in-store on Amazon Go, Amazon Bookstore, and Amazon 4-Star. The Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates. Digital wallet purchases include those made online and in-store with your smartphone, tablet, or portable device. Eligible wallets include Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. Using digital wallets to make purchases on Amazon.com will only earn a total of 5%. The listed merchants are in no way sponsors or affiliates of this program.

6. Discover the® Price: Introductory 0% APR for purchases and balance transfers for 14 months, then variable APR from 11.99% to 22.99% applies. Variable APR cash advance 24.99%. Prices as of October 29, 2021 and subject to change. Call 1-800-DISCOVER or visit Discover.com for more details on costs and credit terms.

7. Cash Back Match: We’ll match any Cash Back Rewards you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and the will add rewards to your account within two billing periods. You have earned Cash Back Rewards only when they are processed, which may be after the date of the transaction. We will not match: rewards that are processed after the end of your correspondence period; statement credits; rewards transfers from Discover chequing accounts or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is only available to new cardholders. No minimum purchase.


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