Activate Cash Back for Discover It Q4 Bonus Categories (, Clothing & Department Stores)

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I’ve loved having the Discover It card so far. It offers an unparalleled 10% cashback in rotating quarterly bonus categoriesthe 1st year at least.  In fact, if you max out the categories each quarter, the card is good for an easy (and completely free!) $600 cashback.

The card has no foreign transaction fees and no annual fee. I’ve written about the importance of having at least 1 no annual fee credit card. And this one is a very worthy candidate for that slot.

Discover It’s Q4 bonus categories

I’m pleased to see the new Q4 bonus categories, which are:

  • (again)
  • Department stores (again)
  • Clothing stores

The quarter runs October 1st through December 31st, so it’s great for cashback on holiday shopping. You’ll get 10% cashback at for a 2nd quarter in a row. That’s amazing!

New cardmembers get double cashback on the 5% bonus categories (so 10% cashback). You’ll get 5% cashback after your billing statement closes, and the doubled cashback after your 12th billing cycle.

Discover It's excellent Q4 categories are ideal for holiday shopping

Discover It’s excellent Q4 categories are ideal for holiday shopping

To get double cashback, you’ll need to apply by September 30th (and the card is available via my links – thank you for using them!)

I recently got this card and am really glad I did!

To sweeten the pot

A couple of other things sweeten this deal even further.

The cashback at Discover Deals goes as high as 10%

The cashback at Discover Deals goes as high as 10%

You’ll get double cashback even via the Discover Deals shopping portal, where the rate is routinely 10% cashback – even on the bonus categories.

So, you can get as much as 30% cashback (5% back for bonus categories, and 10% back for shopping on the portal, both doubled) – and it’s stackable with other promos and discounts, which is an incredible deal.

Get an incredible 15% at

Get an incredible 15% at

And, through the new Giving Assistant shopping portal, you can get a further 5% cashback at, which is NOT available through Discover Deals.

In total, you’ll get 15% cashback when shopping at, which is pretty sweet, especially for holiday shopping.

I made a small purchase on via Giving Assistant, and the cashback posted within 3 days

I made a small purchase on via Giving Assistant, and the cashback posted within 3 days

I’m surprised to see repeated as a bonus category for Discover It 2 quarters in a row. It seems Discover is being aggressive about their cashback offerings, which is amazing for consumers.

I’m all for anything that saves me money on stuff I’m going to buy anyway.

And remember you can use Paribus to get even more cashback at if the price drops lower.

 Bottom line

If you have the Discover It card, you can now sign up for the Q4 5% cashback categories, which include, and department & clothing stores.

The holidays will be here before you know it. Personally, I love getting cashback from with this card. And the new Giving Assistant portal is offering 5% cashback right now, which is even better.

This is quickly becoming one of my go-to cards, which is surprising considering I’ve only had the card for about a month.

It’s been in my wallet since the day I received it and hasn’t left, because I find myself accessing it so frequently. If Discover keeps it up with the cashback in easy-to-use (read as: easy-to-spend) categories, it’s a definite keeper.

The double cashback is good for new cardmembers through September 30th, so if you don’t already have this card, thank you for considering signing up through my links!

Oh, and you’ll get 12 or 18 months with 0% APR, just in case you need to float your purchases for a few months. Just be sure to keep track of when you opened the card so you never pay a dime of interest!

Editorial Note: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

About Harlan

Just a dude living in Dallas.

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