The big selling point of the Discover credit card is cash back, which is accrued on every purchase but spikes to a whopping 5% on purchases in rotating categories such as restaurants, movies, gas stations, home improvement, and holiday shopping.
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Use your bonus to pay your bill, make online purchases or convert the points into one of 150 brand-name gift cards.
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However, more than 200 online retailers participate in ShopDiscover, which activates the signature 5% Cashback Bonus on most purchases year-round.
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You have to enroll every quarter to receive the maximum bonus in that category (visit Discover.com for details).
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