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Discover’s Q4 2026 categories are live: Earn 5% back on entertainment, restaurants and utilities

If you have the Discover it® Cash Back or Discover it® Student Cash Back, take note: Discover's fourth-quarter rotating categories are now live. Through Dec.

31, eligible cardholders who activate can earn 5% cash back on up to $1,500 in combined eligible purchases across entertainment, restaurants and utilities. If you haven't activated yet, you can still register. Just remember that Discover's 5% cash back isn't retroactive — you'll only earn the elevated rate on qualifying purchases made after you activate.

Here's what to know about the Q4 categories and how this year's lineup breaks from Discover's typical fourth-quarter playbook. Discover Q4 2026 categoriesThrough Dec. 31, eligible Discover it Cash Back and Discover it Student Cash Back cardholders can earn 5% cash back on up to $1,500 in combined purchases across:Entertainment: including movies, concerts and live sporting eventsRestaurants: including full-service restaurants, fast food, takeout and deliveryUtilities: including electricity, water, internet and phone servicesThe categories are active through Dec.

31, and activation is required. If you maximize the $1,500 combined quarterly spending cap, you can earn $75 in cash back at the 5% rate during Q4. After you reach the cap, additional purchases earn the card's standard 1% cash-back rate.

One thing to keep in mind with utilities:…

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