AzriSuratmin / iStock / Getty Images Plus


Discover adds PayPal, Target and to its 2019 cash back calendar

Cardholders can activate the third quarter bonus – restaurants and PayPal – now


See the latest bonus categories from Discover and get tips on how to maximize your cash back.

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we may receive compensation when you click on links to products from our partners. Learn more about our advertising policy.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Please see the bank’s website for the most current version of card offers; and please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

Discover has announced the addition of three new bonus categories to its 2019 cash back calendar: PayPal, Target and Now, along with offering a 5 percent bonus on restaurant purchases during the third quarter, Discover will offer the bonus on PayPal purchases, on up to $1,500 in combined spending upon enrollment. Target and (including grocery delivery) join for the fourth quarter.

Discover it Cash Back cardholders can begin activating the third quarter bonus category as of May 1, 2019, here. But before we get too ahead of ourselves, keep in mind that Discover continues to offer 5 percent back on gas station, Uber and Lyft purchases – on up to $1,500 in combined spending upon enrollment – through June 30.

If you haven’t done so already, activate the second quarter bonus category here.

Here’s what you need to know at a glance:

  • You must activate the bonus each quarter to receive 5 percent back.
  • The second quarter bonus is active from April 1, 2019 – or the date on which you activate it, whichever is later – through June 30, 2019.
  • You can activate the third quarter bonus, which is effective from July 1 through Sept. 30, 2019, as of May 1.
  • The bonus is capped at $1,500 per quarter.
  • All other purchases earn 1 percent cash back.

Read on for everything you need to know about Discover’s cash back bonus, including the full 2019 calendar, our suggestions to maximize the 5-percent rate and how Discover’s bonus categories compare to those of Chase.

Discover 5 percent cash back calendar 2019

January – MarchApril – June
(Activate by June 30, 2019)
July – September
(Activate starting May 1, 2019)
October – December
(Activate starting Aug. 1, 2019)
  • Grocery stores
  • Gas stations
  • Uber
  • Lyft
  • Restaurants
  • PayPal
  • Target

While several of Discover’s 2019 categories are the same as those from 2018, the major item that stands out is the absence of wholesale clubs – which Discover offered during the first and fourth quarters of 2018. But if you frequently use ride-sharing services, you can still come out on top thanks to the addition of Lyft and Uber as new bonus categories in 2019.

What is included/excluded in the “gas stations” category?

This category includes stand-alone gas stations. Purchases made at gas stations affiliated with supermarkets and supercenters may not be eligible.

What is included/excluded in the “Uber and Lyft” category?

This category includes rides purchased with Uber and Lyft. Uber Eats is excluded. Additionally, Uber and Lyft gift cards may not be eligible for the bonus.

Tips for maximizing your bonus

  • Use your Discover it Cash Back card to purchase gas at stand-alone gas stations.
  • Avoid purchasing gas from supermarkets, supercenters and warehouse clubs during the second quarter to ensure you receive the bonus rewards rate.
  • Use your Discover it Cash Back card to pay for ride-sharing services.
  • Check Discover’s shopping portal for opportunities to stack your rewards.
  • Visit for more information on which digital wallet transactions qualify for the 5 percent bonus.

Discover vs. Chase bonus categories

Chase also offers a 5 percent cash back bonus in categories that rotate quarterly. From April 1 through June 30, 2019, Chase Freedom cardholders can earn 5 percent cash back on up to $1,500 at grocery stores and home improvement stores.

Chase vs. Discover cash back categories 2019

Discover it® Cash Back
Chase Freedom
Chase Freedom®
January – MarchGrocery storesGas stations, drugstores and tolls
April – JuneGas stations, Uber and LyftGrocery stores and home improvement stores
July – SeptemberRestaurants and PayPalGas stations and select streaming services
October –, Target and Walmart.comComing soon

Which card offers the best deal?

Ultimately, it depends on your spending habits. If there’s a road trip in your near future or if you use ride-sharing services on a regular basis, you’ll benefit from Discover’s second quarter bonus category.

But if you have a large family and spend a lot on groceries each month, the Chase Freedom card offers the better deal.

Beyond the third quarter, though, we can’t tell you which card offers the better deal. Based on the past year, we can speculate that Chase may offer the bonus rate on wholesale club, department store and Chase Pay purchases sometime during 2019. But because they don’t release their full calendar in advance, it’s impossible to tell which card will best suit your spending habits throughout the year.

See related: Chase launches its cash back category for Q2 2019, Credit card special offers and limited-time promotions

What’s up next?

In Products

Earn up to 50,000 bonus points with Navy Federal cards for a limited time

Navy Federal Credit Union has launched several limited-time promotions for the More Rewards American Express card, the cashRewards card, the Visa Signature Flagship Rewards card and the Platinum card.

Published: May 1, 2019

See more stories
Credit Card Rate Report Updated: June 12th, 2019
Cash Back

Questions or comments?

Contact us

Editorial corrections policies

Learn more

Join the Discussion

We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.

The editorial content on is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company’s business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.