If you have the Discover it credit card, I think you’ll love the new category for spring. Think about gardening, building a deck, painting your front door a new color, or finally fixing the leaky faucet in the kitchen. The Discover 5 percent Cashback Bonus category for Spring 2013 is home improvement.

I was a little surprised there’s only one category, but it’s a very good one for this time of year. You can sign up now for the Spring 2013 categories, which begins on April 1, 2013 and last through June 30, 2013. You can enroll right here.

When you use your Discover it Card, you’ll get 5 percent Cashback Bonus on up to $1,500 in purchases at home improvement stores. After you reach the $1,500 limit, you’ll get 1 percent on your purchases, just like you do on everything else.

On the Discover 5 percent Cashback website, it states that the following:

“Home improvement stores are defined as home supply retail stores, lumber/building material stores, paint/wallpaper stores, hardware stores and lawn and garden supply centers.”

Be aware that purchases made at warehouse clubs, wholesale distributors, and discount stores are not eligible for the 5 percent CashBack Bonus rewards.

If you don’t have the Discover it Card and you’re interested, you can read my review right here.

If you plan to use your Discover Card with Google Wallet, read this…

This is also stated on the Discover website: “Purchases made using Near Field Communication (NFC), virtual wallets, or similar technology may not be eligible.”

So this means if your smart phone has NFC, and you use an app like Google Wallet for payment, you might not get the 5 percent rewards. We’re a long way from the majority using NFC for all of their payments, but at this point, there are enough consumers doing it that Discover felt the need to make this statement.

I did some digging and found the problem. Discover has a Mobile Wallet page within its Help Center. The Mobile Wallet page describes how to use Google Wallet with your Discover cashback card.

Related:  Union Plus Secured Credit Card No Longer Available

The site states that you’ll earn the 5 percent rewards for in-store purchases, but you will not get category-based rewards for online purchases. Discover is working on this problem, but in the meantime, be aware of this issue. In fact, if you plan to use your Discover cashback card with Google Wallet, you should review this entire page carefully.


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