Discover it credit cards are issued by Discover it, which is part of the Bank of America group of credit card issuers. The Discover card was launched about two years ago and since then has become one of the best options available to consumers seeking a credit card that offers rewards, cash back, or both. I have always had a good track record with Discover it cards, so I decided to take a look at this brand new option. This is a summary of my observations so far as I am a card holder. If I'm not a card holder, I will not be commentating on the Discover it program since I don't use these cards.
Discover has long been offering rotating 5 percent cash back categories on its Discover It cards for quite some time now, and v helped launch this page just to track previous and current Discover It offers. Here you will find information about how the cash rebate category works, rewards offered, terms of the program, etc. The first year that I had a Discover It card, I had to spend much more money to get cash rebates that actually earned me money. That was really a problem because I didn't want to spend too much money! However, in my second year, I made it through the cash rebate categories earning nearly double what I spent the first year.
The key to maximizing your rewards from your Discover It programs is to make sure you are maximizing your cash back category, as well as your spending in each category. In my experience, the biggest rewards come from using the cash back categories (such as gas prices, department store items, etc.). You may also want to consider adding up all the purchases you have made in your current five favorite categories to get a clearer picture of just how much you are earning from these cards. You should also focus on using your primary card to purchase the things you need, as opposed to using your Discover It credit card to do all your spending.
The cash back category rewards you for making purchases in specific categories. For example, in my second quarter I only spent money in the automotive category, which got me a very generous rebate of $200! But I only made purchases in those categories! When I did my research for the Discover It categories that I was going to try and use, I found that I was not receiving enough rebate money to cover my expenses from those categories. Thus, in my second quarter I only earned a few dollars in cash back for my purchases in those categories.
This was extremely frustrating because once I entered my information incorrectly for one of the Discover It categories, I just could not believe that I would not be able to take advantage of the great rebate offers that were waiting for me. After doing some more research, I learned that there are three main categories: Grocery Stores, Clothing and Accessories, and Home Improvement. Each category has a different number of cash back reward offers. There are also different ways to activate the cash back feature with these cards.
There are many ways to earn rewards on your Discover It cards for the different categories that you can choose from. You can earn points by doing shopping, and then you can redeem those points for gift cards. However, I did not like the idea of having to redeem gift cards for items at grocery stores, or even for things that I would actually buy at a store. There was a much better option for me: membership clubs. I joined two of the best ones around, and now I receive three reward points whenever I use one of their memberships.
Membership clubs allow you to use debit or credit card to make your purchases. There are several different kinds of reward programs available with many of the major airlines, hotels, and restaurants. Now, I am able to combine my Discover It rewards with rewards from other companies. This way, I am earning cash back rewards from the airlines and hotels, but I am also earning cash back from my travel agency, so I get to earn more than just one type of reward. The combination that I have been building up is working out well, as I have been saving quite a bit of money while I am spending less than ever before.
If you are like me, then you would enjoy the ability to earn cash rewards from your purchases with Discover It. There are a lot of great benefits to be gained from having a card like this, especially if you are a frequent traveler. Even if you only make one or two purchases each month, you will still earn the cash back reward points that you deserve. With many of the other brands, you only receive a cash back bonus if you make purchases over a certain amount of money. Now, I am able to combine my Discover It rewards with the cash back bonus from Chase Freedom flex, so that I am able to take advantage of all of the benefits that I have been receiving.
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