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  1. #1
    Gold Member
    Join Date
    Nov 2011
    Location
    Hempstead, NY
    Posts
    32

    Default 2012 Discover 5% Cash Back Reward Categories Calendar

    Hi everyone,

    The calendar is out for 2012!

    January-March: Gas, Museums, Movies (cap $1500)
    April-June: Restaurants and Movies (cap $1500)
    July-September: Gas, Movies, Theme Parks (*)
    October-December: Department Stores, Electronics Stores, Toy Stores (*)

    (*) = no cap announced yet, likely to be similar.

    My guess is there's no one-month category because they've upped the cap so much.
    Cards I Carry:

    Visa: CitiForward Student (1k CL, 15.24%), Capital One Student Journey Rewards (.5k CL, 19.8%)
    Discover: More Student (1k CL, 17.99% regular, current rate 1.9% through 3/6/12) (Primary card at this time)
    AMEX: Blue Cash Everyday (2k CL, 21.25%)
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  2. #2
    Centurion Member
    Join Date
    Jul 2011
    Location
    Houston
    Posts
    136

    Default

    Looks like the current Chase Freedom is causing Discover to step up its rewards program. They go head to head on Gas in Q1 and Q3. Discover also has this to say about Q1 and Q2 Movies:
    "Movie ticket and movie rental purchases are those made at merchants classified as movie theaters, video rental stores, and online movie ticket and movie rental services." (bold mine)

    Few quick notes:
    Seems Discover is a bit more broad with "Movies" instead of "Movie Theaters" from Chase in Q2. (I will admit to not finding the fine print on the Chase offer, but I assume they included the word "theaters" for a reason.)

    Discover has dropped Grocery from its program. Which I find interesting because that is usually a big spend category for families. Only card to go above 5% in that area that I can think of comes with an $75 annual fee (Amex Blue Cash Preferred).

    I like the cap raise to $1500 hope they keep it up (or increase) it for the second half of the year.

    Like with most things when there is competition the consumer is the winner. We have more choices and they offer better services/perks. Chase has been taking some swings at Discover for the past year or so. Looks like Discover has had enough and is about to start swinging back. Now Discover needs to get rid of their tiered system and we could see the real fighting begin.
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  3. #3
    Centurion Member
    Join Date
    Apr 2009
    Location
    Texas
    Posts
    879

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    Category cards getting less attractive to me. Restaurants and groceries are really my only big spend categories. I spend about $50 a month on gasoline.

    Now I'm going to have to start driving to far-away restaurants and eating out even more often if I want to get anything out of Chase Freedom.
    American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
    US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
    FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
    Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

    *All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.
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  4. Centurion Member
    Join Date
    Jun 2011
    Location
    Down South
    Posts
    1,587

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    These categories are alot better from Discover. I didn't use the card as often as I would like before. I will definitely use it for the 1st 3 quarters. I won't use it as much in the 4th. If they had groceries on there, it would be one of my primary cards.

    I don't like that they got rid of groceries. I don't have a good grocery card right now. The blue cash preferred sounds enticing, but it has the annual fee.
    Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
    Plane tickets: CSP
    Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
    Clothes: Express, Amex BCP, Discover IT
    Amazon: Citi Forward, Cash +
    Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
    Hotels and other travel: Discover Escape, CSP
    Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
    Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
    Balance transfers: Kroger 123 rewards
    Bill Pay: Chase Ink Plus, Citi Forward
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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  5. #5
    Centurion Member
    Join Date
    Jun 2011
    Location
    Down South
    Posts
    1,587

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    I agree with Jeffysdad about category cards. I would rather have a card that I can always get certain percentages on certain categories.
    Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
    Plane tickets: CSP
    Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
    Clothes: Express, Amex BCP, Discover IT
    Amazon: Citi Forward, Cash +
    Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
    Hotels and other travel: Discover Escape, CSP
    Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
    Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
    Balance transfers: Kroger 123 rewards
    Bill Pay: Chase Ink Plus, Citi Forward
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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