Get the Most Out of Discover’s Categories for Q4 2020

You can get pretty much everything you need for the holidays by ordering online from Amazon, Walmart and Target.

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Fall and winter are always the perfect seasons to stay home in a bathrobe, but this year, staying home is especially important.

Thankfully, the 5% bonus categories on select Discover cards including the Discover it® Cash Back make online shopping more rewarding.

Discover it® Cash Back
NerdWallet rating 
Learn More

As always, you must activate the bonus categories to earn 5% cash back. From Oct. 1 through Dec. 31, 2020, you can earn 5% cash back on up to $1,500 in combined spending in these categories:

  • Amazon.com.

  • Walmart.com.

  • Target.com.

All other spending earns 1% cash back.

With Discover offering 5% back on the Big Three online retailers — Amazon.com, Target.com and Walmart.com — pretty much everything you need for Halloween, Thanksgiving, Christmas and all the days in between is covered. Plus, you can shop from the socially distant comfort of your couch.

Amazon’s Prime Day coincided with this bonus calendar, running Oct. 13 and 14. Meanwhile, Walmart plans to spread out its Black Friday deals over a longer period of time, giving you ample opportunities to shop at a discount. (And, again, it might be a good time to consider Walmart+.)

New cardholders can get a unique bonus offer, phrased this way: "INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300."

Discover bonus rewards categories

2021 categories

2022 categories

Q1 (Jan. 1–March 31)

• Grocery stores*. • CVS. • Walgreens.

• Grocery stores*. • Fitness clubs and gym memberships.

Q2 (April 1–June 30)

• Gas stations. • Wholesale clubs. • Select streaming services.

• Gas stations. • Target.

Q3 (July 1–Sept. 30)

• Restaurants. • PayPal.

• Restaurants. • PayPal.

Q4 (Oct. 1–Dec. 31)

• Amazon.com. • Target.com. • Walmart.com.

• Amazon.com. • Digital wallets.

*The grocery stores category does not include grocery purchases at Walmart or Target or at other superstores or wholesale clubs. For Q1 2021 only, the category included Walmart Grocery Pickup & Delivery, but not purchases inside Walmart.

Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.