Q2 2023 Discover 5% Categories

isik · ‎02-28-2023

Discover Q2 2023 5% cashabck categories are restaurants and wholesale clubs:

Another quarter with bad categories for my spending.

Personal:

American Express Blue Cash Preferred - CL $9,000 - SL $1,000

Bank of America Customized Cash Rewards Visa Signature - CL $8,300 - SL $1,500

Discover It Cashback - CL $7,100 - SL $1,500

Capital One Quicksilver - CL $4,000 - SL $300

Ikea Projekt Store Card - CL $9,000 - SL $9,000

Chase Amazon Prime Visa Signature - CL $4,500 - SL $3,000

Business:

Chase Ink Business Preferred - CL $5,500 - SL $5,500

US Bank Business Altitude Power - CL $4,000 - SL $4,000

FICO 8:

ptatohed · ‎02-28-2023

Rad. Thanks @isik !

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

acreditdummy123 · ‎02-28-2023

wholesale club ez pz lol

❤️ Am a peaceful, positive person. Credit scores: Amazing and higher than most. AAoA: Superb. No lates. No delinquencies.

The past is the past. I'm a completely new person now as of 3/6/23

ptatohed · ‎03-01-2023

@acreditdummy123 wrote:
wholesale club ez pz lol

I was thinking the opposite. Rest's, 5%, sweet. lol!

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Yasselife · ‎03-01-2023

Restaurants are a basic need for me so this is good news. Thanks @isik

Gardening since: August 11, 2025

Anonymous · ‎03-01-2023

@isik wrote:
Discover Q2 2023 5% cashabck categories are restaurants and wholesale clubs:
Another quarter with bad categories for my spending.

I just canceled my 10-year-old Discover IT with a $50k limit because the card offers practically nothing in the way of benefits after the cutbacks they've made over the last few years. I did like the online identity monitoring -- available through the app only at the time I signed up -- but even that was rather weak as it wasn't comprehensive enough to make much of a difference. After I canceled they sent me a snotty note just saying that they had ended that service for me (duh). They sent me another snotty note saying that my checking account that had been registered for autopay was unreachable (because I disconnected it before canceling the card, duh). When I called to cancel the card and told the rep, she reacted as if I had just said I was going to murder a puppy. I always thought Discover's folksy branding was pretty lame. When you reject them they seem to take it personally and start acting like a spurned old crone. Poor Discover, I pity you.

JoeRockhead · ‎03-01-2023

That wont be a good quarter for me and Disco, haven't stepped foot in a wholesale club in over a decade, but we do take out once a week so at least that's a little something.

isik · ‎03-01-2023

I order food pretty often but Amex Gold 4X > Disco 5%

I don't shop at wholesale clubs.

Last quarter wasn't useful to me either because for groceries 6% BCP > 5% Disco

Personal:

Business:

FICO 8:

Epiki71 · ‎03-01-2023

Agree, i guess back to my apple card it is for grocerys.

Last Signature Update: 03/08/2023

OmarGB9 · ‎03-01-2023

@isik wrote:
I order food pretty often but Amex Gold 4X > Disco 5%
I don't shop at wholesale clubs.
Last quarter wasn't useful to me either because for groceries 6% BCP > 5% Disco

@isik

You do realize that the 6% really becomes 4.4% after you account for the AF of the BCP, right? And that's only if you spend EXACTLY $6k on groceries annually

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores: