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Tag: cash back

  • Must-Have highest 10% cash back credit card on categories (or 2%) and $50 Bonus

    discover card 23019Discover It Review 2019 – $50 Bonus Referral
    Now’s the best time to apply for a Discover card to earn the extra double cashback your first year! This not only includes double on 5% categories such as dining and gas (which would be 10%) but also double on everything else. You can go here to get a $50 bonus after first purchase plus double cash back. Important: It doesn’t show the $50 bonus at the application page, but rest assured, you will get the $50 bonus since it’s a referral link.

    What does Double Cash Back Mean?
    It means 2% cash back on everyday purchases and a whopping 10% cash back on rotating quarterly categories. You will also receive a $50 cash signup bonus upon approval.

    What’s the Catch?
    Discover It card is one of the most consumer-friendly cards on the market with absolutely no annual fee. They just want to keep you around as a loyal cardholder once you try out the card for a year getting double rewards. Most likely you will because the generous 5% back you’ll be getting for years to come on things such as gas, restaurants, rideshare, and purchases on Amazon will add up.

    5% Cash Back Rewards Categories
    The 5% cash back in select categories such as gas, travel, restaurants, etc, which change throughout the year. You’ll get 5% cash back on up to $1,500 in purchases for each quarter. Anything over the set amount will automatically earn 1%. Here are the Cashback quarterly categories for this 2019 calendar year.

    Quarterly Dates 10% Bonus Category (5% if already a card holder)
    Q1 2019 (Jan. 1 – March 31) Grocery Stores
    Q2 2019 (April 1 – June 30) Gas Stations, Uber, and Lyft
    Q3 2019 (July 1 – Sept. 30) Restaurants
    Q4 2019 (Oct. 1 – Dec. 31) Amazon.com

    All cash back earned from the rotating 5% categories will be doubled in your first year of card ownership, effectively providing 10% cash back.

    Redeeming Your Cash Back
    As you earn cash back, Discover makes it easy to redeem your rewards.

    • Direct Deposit – You can redeem your cash back directly into your bank account.
    • Statement Credit – You can redeem as a credit on your monthly statement.
    • Direct Amazon Purchases – You can purchase items from Amazon and pay using the cash back you have earned.
    • Special Gift Card Redemptions – You can get another 10-25% discount when you redeem your cash back for gift cards from participating retailers through Discover. For example, Discover offers many $25 restaurant gift cards for $20 and offers $30 Staples gift cards for just $25. There are physical and e-gift card options available, and the e-gift options are delivered instantly and available for immediate use.

    Discover it Credit Card Features

    • Fraud Protection – If there are any unknown or wrongful charges on your Discover card, you won’t pay a dime. They take care of everything for you.
    • Free FICO Credit Score – You can now check your real FICO credit score for free each month through your online account, mobile app, or printed monthly statement.
    • Free Credit Monitoring – Free alerts let you know when any new credit card, mortgage, car loan or other account shows up on your Experian® credit report.
    • Free Card Replacement – Receive free overnight shipping when you request a card replacement to any U.S. address.
    • Freeze Your Discover Account – prevent new purchases, cash advances, and balance transfers if your account is compromised. Freeze or unfreeze your account in seconds via the website or mobile app.
    • U.S Based, 24-Hour Customer Support – Call anytime and be able to speak with a real human being. All Discover call centers are in the United States, which means English is the language of choice.

    Discover it Credit Card Fees

    Type of Fee Fee Amount
    Annual Fee $0
    Cash Advance Fee Either $10 or 5% of the amount
    (whichever is greater)
    Balance Transfer Fee 3% of the transfer amount
    Foreign Transaction Fee $0
    First Late Payment $0
    Additional Late Payments up to $37
    Over-the-limit Fee
    (when your purchases exceed your credit limit)    		 $0

    Discover it Credit Card Summary

    We have been a strong advocate of Discover Cards since they first appeared and were an innovator of cash back. We’ve earned a significant amount of cash back from the 5% rotating categories over the years and continue to hold two cards each because we normally max out the restaurant category. We have told all of our friends and family to sign up for this card at least for the first year bonus and doubling of rewards.

    The generous cash back, robust features, and excellent fee schedule have made the Discover it Credit Card an outstanding option. If you are interested in applying, you will likely need a credit score greater than 650 to be approved. You can find the complete application and earn a $50 cash bonus when you go here to apply.

    One More Thing
    You will no longer experience the frustration of calling a customer service hotline that you can barely understand with their 100 percent US-based support staff. Many cards outsource their call support to India and such. With no annual fee and a generous cash back rewards program, I personally give the Discover It Card a 5 Stars rating and highly recommend for all my readers to sign-up.

  • Ebates and Online Shopping sites saving money with cash back

    For your retail shopping, sites such as ebates.com and online malls can save you money by giving you cash back on your purchases. These sites direct you to the product or stores you want and for that they get a commission, which they use to pass cash back to you. There are no forms, points to redeem or fees. You get top quality, name brands at discount prices plus a percentage of cash back.

    Shopping online is supposed to be easy and cheap. Easy because you can get almost anything you could possibly want delivered to your doorstep without leaving your desk and cheap because most online stores have such huge inventory they can sell it at discounts. Now, websites are there that save you the trouble of shopping around. They look for the best deals for you and when you inquire about a product, they send you to the right place. If you make a purchase because of that referral, they get a commission.

    There are also hundreds of coupons available for 15% to 25% discounts on first purchases from top companies such as eBay, JCPenney, Macys, Nordstrom, Sears, Walmart and Dell Home. Your spending power can go much farther on these shopping sites. There is no reason to ever pay the retail price again. You will also find free gifts, limited time offers, sales, free shipping and money off coupons. You can even choose coupons according to the item you want to buy. For example, there are clothing or travel coupons, electronics, games, toys and food coupons.

    In the clothing category you can have the latest trends for less. Some of the designs from Project Runway are available for ebate.com members at affordable prices and with 3.5% cash back included. When you see a look that suits you, you will be able to afford it. And what about the health and beauty products you would like to have but can’t afford because in department stores or even discount drug stores they are always very expensive. At drugstore.com you will find the top line beauty products at discount prices, sometimes as much as 30% off retail price and with a cash back included.

    For those of you who prefer to give your purchasing power to green companies, you can also have great deals and cash back. Some even give double the cash back to attract a clientele to their organic, eco-friendly products. Barns and Noble also gives cash back for back to school items as well as DVDs and best sellers. In the home and garden category there are big discounts for spring plus cash back from Urban Outfitters, Macy’s, JCPenney, Target, Crate and Barrel and many more for dishes, tables, knife sets, lamps and vintage-themed accessories such as telephones and chairs. Also, from designer shops like Burke Décor, Alessi, and Horchow amazing products are on sale with 3.5% cash back.

    Ebates.com has its own Daily Double where the cash back is double at a different store each day. For one day, on a specifically chosen item, the cash back is raised by as much as 50%. Plus there are coupons on the Daily Double page where the higher cash back is given for other merchandise.

    You can get a list online of the top 20 stores for cash backs. It is the place to start your online shopping because you know you will be getting what you want for the best possible price. There is a list of newly added stores so you can keep up to date on who is joining the shopping revolution. There is also a Buzz section where you can find out the latest sales, tax coupons to save on your taxes, which stores offer free shipping and delivery, special deals and free prizes, possibly a trip to Hawaii.

  • Discover Card Pulls the Plug On $20 Cash Rewards

    Discover Card has made what some may call a fatal mistake in the credit card industry.  Discover was known for its small bank-like friendliness until now.  They gave you a real cash back onto your statement which was the most non-hassle of them all.  The credit crisis has made all the banks greedy including the friendly credit card issuer Discover Card.

    Discover now is making you wait until you get $50 in reward to get cash back instead of the $20 previous.  This is more than double the increased time to have to wait and to have to make more and more purchases which some people may have to wait years to add up the small under 1% payouts from Discover.  This is a sad change to Discover policy that recently changed.

    I have been with Discover Card for over ten years now and never have they pulled a fast one on me like this.  The fact that I could go online and redeem my $20 to my account was the ONLY reason I had a Discover Card instead of a Citi ThankYou or a Chase Points card where there is much more hassle involved.

    The customer service rep acted as if we could earn more in their shopping mall called ShopDiscover.  ShopDiscover is nothing more than a site where they get paid the more you buy online from the links they send you.  EVERYONE has one of these now including Chase and Bank of America Add It Up.  This service is similar to Ebates and online shopping malls with the airlines.  This is certainly not the answer to the steep increase of redemption at Discover Card.

    My friends, family, and co-workers will all be in shock when they sign into their account online and find that they will no longer be able to redeem cash at $20.  Of course, there will be the $20 redemption of gift cards that no one wants for these companies that are all going out of business like Red Lobster (I mean really?).

    Call Discover at 1-800-347-2683 and complain.  Get this changed now!!