Discover Card Q3 2025: 5% Cashback on Gas, Transit & Utilities

Discover cardholders can enjoy 5% cashback on gas, EV charging, public transit, and utilities from July 1st to September 30th, 2025. This promotion applies to both Discover it and Discover More cards (where applicable), with a spending limit of $1,500 per quarter, translating to a maximum cashback of $75. The offer includes gas stations and EV charging stations, but excludes those affiliated with supermarkets or wholesale clubs. Public transit rewards encompass local buses, trains, and ferries, excluding taxis, rideshares, and long-distance travel. Utilities coverage extends to residential electricity, natural gas, water, and online payments for internet, cable, satellite TV, and phone services; however, it excludes retail store purchases of these services or payments made through third parties. To qualify, purchases must be made before the offer's end date, with rewards credited within two billing cycles. While the offer targets specific merchant category codes (MCCs), there's a possibility that some qualifying transactions might not be categorized correctly. Activation is required before making purchases, accessible online or via email. First-year cardholders receive an additional benefit: a dollar-for-dollar match of their earned cashback. This promotion presents a valuable opportunity to maximize cashback rewards, especially by prepaying utilities or purchasing gift cards at gas stations. The article also mentions Discover's ongoing 5% cashback offer on groceries and wholesale clubs, encouraging cardholders to optimize spending across multiple categories. However, potential risks include the possibility of incorrect MCC assignment leading to missed cashback, and the need to proactively activate the offer to take advantage of it.

(Source: https://dannydealguru.com/discover-5-bonus-categories-for-q3-2/)