How to Calculate Discover It Credit Card Bonus Category Spend

Good morning everyone.  Today is the last day of February, so we are 2 months into the year and 2 months into the first quarter.  I wanted to check the spending on my Discover It Credit Card and see how much I have spent toward maxing out the grocery store bonus category.  Every quarter, you can earn up to $75 cash back on up to $1,500 in spend.  Discover has made it really easy, you can see your bonus tracker here.  Based on the $21.92 in cash back, I assume I have spent $438.40 at grocery stores.  But that might not be 100% correct…

I prefer looking at the transaction level, so I like to use the Discover Search Transaction page to see all the transactions that earned bonus points.  I plugged in the start and end date of my search range, clicked Selected Categories from the drop down menu, checked the Supermarkets box, and clicked the Search button.

On the search results page, I see 9 grocery store transactions that add up to $487.32.  5% of that would be $24.37 cash back, or $2.45 more than what the above bonus tracker shows.  If I subtract $438.40 from $487.32, I get a difference of $48.92.  That amount is really close to the last grocery store transaction of $48.84.  In fact, if I subtract $48.84 from $487.32, I get $438.48.  5% of $438.48 is $21.92 which exactly matches the above bonus tracker.  Based on that information, the bonus tracker is not updated in real time or even the next day.  I wrote this article on Feb 27 and the most recent purchase has a transaction date of Feb 24.  It would be great if the bonus tracker was more accurate and up to date.  Subtracting $487.32 from $1,500 gives me $1,012.68 in spend left that can earn 5% cash back at grocery stores.  It is always good to know where you stand and how much more you need to spend.

If you have any questions about the Discover It Credit Card, please leave a comment below.  Have a great day everyone!

P.S. If you have a Discover It Miles Credit Card and want to convert it into a Discover It Credit Card, read this post.

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