September And October Calendar

Here’s Discover’s 5% cash-back calendar for 2024Discover cash-back cardsDiscover it® Cash Back

On Discover’s secure site

September and October  Calendar  Calendar Quickly
September and October Calendar Calendar Quickly

Rewards

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.

September and October  Printable Calendar Template
September and October Printable Calendar Template

Welcome bonus

Discover will match all the cash back earned for all new cardmembers at the end of your first year.

September October  Calendar (th Bi-Monthly) - CalendarKart
September October Calendar (th Bi-Monthly) – CalendarKart

Annual feeIntro APR

0% for 15 months on purchases and balance transfers

Regular APRBalance transfer fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)

Foreign transaction feeCredit neededDiscover it® Student Cash Back

On Discover’s secure site

Rewards

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.

Welcome bonus

Discover will match all the cash back earned for all new cardmembers at the end of your first year

Annual feeIntro APR

0% for 6 months on purchases

Regular APRBalance transfer fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)

Foreign transaction feeCredit neededDiscover cash-back calendar for 2024

Discover has now announced its 5% cash-back category for the first three quarters of 2024.

January to March (Closed): Restaurants and drug storesApril to June (Closed): Gas stations and electric vehicle charging stations, home improvement stores and public transitJuly to September (activate now): Walmart (in-store and online) and grocery stores (including grocery delivery services)October to December: Announcing on September 1, 2024

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How 5% cash-back credit cards work

To earn 5% cash back, you’re required to activate bonus categories each quarter. After you activate bonus categories, you can start earning 5% cash back on eligible spending. Discover lets you set up email alerts and you can add reminders to your calendar so you don’t forget to activate them.

Earning 5% cash back isn’t unlimited. Each quarter, after you spend a combined $1,500 in the bonus categories, the cash-back rate drops to 1%. This maximum spending requirement resets every quarter.

All other purchases made outside the bonus categories automatically earn unlimited 1% cash back. If you want to optimize the amount of cash back you can earn, we recommend using an alternative cash-back or rewards credit card for spending outside the bonus categories, so you earn at least 2% or 2 points per dollar spent.

The Chase Freedom Unlimited® Card ranks as the best cash-back card with no annual fee and currently earns new cardholders 6.5% cash back on travel purchased through  Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants (including takeout and eligible delivery service), and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through  Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Chase Freedom Unlimited®Rewards

Enjoy 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Welcome bonus

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!

Annual feeIntro APR

0% for the first 15 months from account opening on purchases and balance transfers

Regular APRBalance transfer fee

Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

Foreign transaction feeCredit needed

Member FDIC. Terms apply.

The Citi Double Cash® Card is the runner-up and earns cardholders an effective 2% cash back: unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24

Citi Double Cash® CardRewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24

Welcome bonus

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Annual feeIntro APR

0% for the first 18 months on balance transfers; N/A for purchases

Regular APRBalance transfer fee

For balance transfers completed within 4 months of account opening, an intro balance transfer fee of 3% of each transfer ($5 minimum) applies; after that, a balance transfer fee of 5% of each transfer ($5 minimum) applies

Foreign transaction feeCredit needed

Citi also offers its own 5% cash-back card, the Citi Custom Cash® Card, but you don’t need to activate bonuses each quarter. Cardholders automatically earn 5% cash back on purchases in their top eligible spend category each billing cycle, up to the first $500 spent (then 1%).

Citi Custom Cash® CardRewards

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

Welcome bonus

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

Annual feeIntro APR

0% APR on balance transfers and purchases for first 15 months

Regular APRBalance transfer fee

5% of each balance transfer ($5 minimum)

Foreign transaction feeCredit neededWhy trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best credit cards.

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Information about the NHL® Discover it® has been collected independently by Select and has not been reviewed or provided by the issuer of the cards prior to publication.

For rates and fees of the Discover it® Cash Back, click here.

For rates and fees of the Discover it® Student Cash Back, click here.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.