Sign Up For The Discover it Q4 Bonus Categories

discover_itThe Discover it card is one of the rare credit cards that offers leading promotional financing terms as well as a competitive rewards program. This card is offered with either 14 months of interest free financing on both new purchases and balance transfers, or six months of 0% APR financing on new purchases and 18 months on balance transfers.  Both offers have a 3% balance transfer fee.

In addition, cardholders will receive 5% cash back bonuses on purchases from eligible categories of merchants that change each quarter. For the fourth quarter of 2013, qualifying purchases will include nearly all online transactions. Exceptions include  government products or services, education providers, utilities, and travel reservations. Bonus cash back only applies to cardholder’s first $1,500 of eligible purchases made during the quarter, and the standard 1% cash back will apply afterwards.

Cardholders must sign up online to activate their bonus categories each quarter. Registration starts at the beginning of the quarter, and it counts retroactively to eligible purchases made before registration.

Other good things about the Discover it card include the fact that there is no annual fee and no foreign transaction fees applied to transactions processed outside of the United States.

So during the holiday season, Discover it cardholders can shop online and realize a 5% cash back reward on all of their purchases.

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click 'Apply' to see rates, rewards, and free FICO® Credit Score terms and other information.
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0% for 14 months*

0% for 14 months*

10.99% - 22.99% Variable*

$0

Excellent Credit


  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • * Click 'Apply' to see rates, rewards, and free FICO® Credit Score terms and other information.
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0% for 6 months*

0% for 18 months*

10.99% - 22.99% Variable*

$0

Excellent Credit


About the author

Jason Steele

Jason Steele is a freelance journalist specializing in personal finance and travel and is recognized as an expert in credit cards. He is a regular contributor to many of the top personal finance sites such as Wise Bread and Money Talks News. His work has been frequently carried on mainstream news outlets such as MSN Money, Yahoo, Finance, and Business insider.

Jason lives in Denver Colorado with his wife and two daughters.

– has written 249 posts.

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