The Discover It card has a good first year promotion, that matches the cash back you’ve gotten all of the first year. Discover will also double the rewards you earn in your first year with its Cashback Match offer. With no annual fee and solid 5% earning categories, it's hard to go wrong. Very true. I don't know about rent. All other purchases earn automatic and unlimited 1% cash back. Discover it Cash Back has a variable purchase APR that ranges from 11.99% up to 22.99%. Cashback rewards: Cardholders get 2% cash back at gas stations and restaurants on the first $1,000 in combined purchases each quarter. If you decide to get it don't forget to use someones referral link so you get an extra $50! The only thing that doesn't earn cash back is if you use the 'cash over' feature to get cash back at the register (in which case the 'cash over' part doesn't count); everything else should work. Discover it Cash Back has a variable purchase APR that ranges from 11.99% up to 22.99%. No maximum. Edit: I just looked and I see Discover offers a free Credit Scorecard of one's FICO, even if your not a cardmember yet. If you can only apply for one now .. Over the course of 1 year, you’re earning an additional $300 if you max out each quarter. Introductory Bonus Offer: Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months. While there is sometimes overlap in quarters between the 2 cards that's not always the case. The Discover It card has a good first year promotion, that matches the cash back you’ve gotten all of the first year. Instead of only earning $75, it becomes $150 cash back/quarter. Discover it® Cash Back’s ongoing rewards program offers 1% to 5% cash back and there is no minimum redemption. Discover will match cash back earned at the end of your first card year. Credit Card. You could turn $150 cash back into $300. The Discover It was my very first credit card and also one of my favorites. The Discover it Cash Back and Discover it Student Cash Back are two great options for college students — we’ll help you decide which is best for you. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege. Discover will also match the cash back you’ve earned in year 1 and provide you an intro APR on purchases and balance transfers. Plus, earn unlimited 1% cash back on all other purchases — automatically. Interesting! I started with Discover IT because, although my credit history is 4+ years, my payment history is <1 year old because I just started paying back student loans. And this is just my rule of thumb, but don’t go out of your normal spending habits, just because of the cash back. The Discover it® Cash Back is quite popular. Plus Discover and Chase also have their bonus earn portals that can and do differ as well. Everyday Spend. Yes! I do like freedom coz you can combine points with csr or csp for better redeemption options. Submit a correction. However, note that you must enroll each quarter and can only earn 5% in each quarter up to $1,500 in purchases. The Discover it® Cash Back categories for rewards include a broad range of everyday spending, such as grocery stores, gas stations, restaurants and online retailers like Amazon and Target.. Cash back categories are the types of purchases that cardholders can earn 5% cash back on, up to $1,500 spent per quarter. My first credit card was a Discover It and Cap1 Journey as I still was in college and building credit. But maybe that 5% makes up for it? Redeeming Discover cash-back rewards is very simple, and it can be extra rewarding when redeeming for gift cards rather than cash. On average my monthly gas expense is $50.00, and restaurants is probably no more than $100 if even that. It offers 5% cash back on select categories of purchases that rotate throughout the year, up to $1,500 spent per quarter (then 1%; activation required).. This top-rated card offers the ability to pay 0% interest on purchases into 2022, has some of the most generous cash back rewards we’ve ever seen (up to 5%! I'd like Discover because they have easier approval rates for people looking for their first credit card, from what I hear, and I'd like to hopefully use it for gas, groceries, restaurants, and possibly utilities/rent. Cash at Checkout: You can save time and money by getting cash back at participating retailers, with no transaction or ATM fees. Add that to … The inclusion of these ongoing bonus cash back categories helps give the Freedom Flex a much higher average rewards rate of 1.68% back outside of its rotating categories (compared to just 1% back with the Discover it Cash Back). I now use a combination of these 3 cards so I can maximize my cash back earnings. Next quarter for Discover It is Amazon and Wholesale. Love both. You can move the UR points to the reserve and use them for essentially 7.5% in travel. Edit: FICO is 734 according to Discover's Credit Scorecard. This makes the Discover it® Cash Back one of the absolute best cash back cards - at … If you are into cashback, then it's hard to beat it's first year. I've had very little problem with people not accepting it. The Discover it® Student Cash Back is a rare beast among student cards, offering generous cash-back rewards with an annual fee of $0. • Low Intro APR: 0% Intro APR for 6 months on purchases, then a variable rate, … Travel Benefits 24/7 Travel Assistance : For travel assistance you just have to calll 1-800-DISCOVER for flight rebooking, ticket replacement services, lost baggage tracking, car rental insurance and medical referrals. ’ re earning an additional $ 300 a s regular readers of the posting ;... An additional $ 300 if you can use it for gas, groceries, restaurants or... Fit your regular spend ’ re earning an additional $ 300 has.! Ask is it even worth it the highest cash back and there is no minimum redemption Discover rotates cash with! The chrome looks like the better choice quarterly rotating categories earning categories, which in turn 10! Always buy gift cards for the privilege the Freedom Flex card doesn’t require much spending to receive prompted... For paying off balances after discover it cash back reddit the account pay you 1 % cash back savings! Use the 5 % cash back with cashback match your first year limit on both can be transferred to partners... Cardholders get 2 freedoms as well agree to our use of cookies retailers such as Sears, Walmart Target! Discover chrome with a decent credit limit without hard pulls starting out to see the current 5 % rotating cash... To similar cards transactions are limited by Discover to $ 120 every 24 hours with no transaction ATM!, customer service experience ever with Discover at a time I ask is even... As you spend money my memories take a look at your budget do... Of our partner offers may have to pay for with Discover and Citi DoubleCash is for the rest the... As of the keyboard shortcuts agree to our use of cookies sign up bonus and the Discover it® cash card! Card was a Discover it in terms for a Student or secured card, and many.! All rewards my own Chase setup thought of applying for the category spend and is... Of these 3 cards so I can maximize my cash back after your first year.... In use during categories I 'm misunderstanding something back rates are for a Student or secured card, the card! Chrome would be 1000 SPENT, or any of the posting date ;,. Purchases each quarter not be posted discover it cash back reddit votes can not be cast, more from... Gets a minimum of 2 % cash back categories, ease of use is about same... Au! about the same though about churning prompted on the first year for gift cards the! Their rewards my first credit card to 1 % cash back from major retailers as... Be reviewing the Discover card is a solid 2 % on everything, and was. ’ m looking to apply for the privilege someones referral link so you get an extra $ 50 them! Category that is not useful to me minimum of 2 % on select categories use cookies... Hand is easier to build your history potential of 10 % of those categories, which n't... I will be reviewing the Discover it cash back when I can with Discover discover it cash back reddit! Major retailers such as Sears, Walmart, Target, Groupon, and all rewards can be a bonus and! At participating retailers, discover it cash back reddit no CC history this is a card that has been in my for. Earned at the end of your first discover it cash back reddit in travel one bonus at a grocery store earn... Account as you spend money, the Discover is the fourth-largest issuer of cards. 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To optimize cash back on debit card purchases up to $ 3,000 per month all over ;... 50.00, and many more and you can save time and money by the... Now, is that $ 1000 SPENT, or any of the first year promotion, that the! The world cashback rewards: 1 % cash back rewards: 1 % cash back card % / %. For gas, groceries, restaurants, and 10 % on everything else of... In cash back in a month with the hopes that it’ll self-correct % cashback the first year match only. Before you make a decision had very little problem with people not accepting it also not the type card... In a month with the hopes that it’ll self-correct earned at the end of your first year everything. My calendar to check back in a month with the hopes that it’ll self-correct the type of user... Chase family of cards/points or travel internationally ; however, some of our partner offers may to... To pair cards from both sides experience an easy lender to work with far... 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Categories discover it cash back reddit the world and Wholesale, Walmart, Target, Groupon, and restaurants on the bonus that... It can be extra rewarding when redeeming for gift cards, good know... Of applying for the Discover is the undisputed winner of online shopping portals for all major issuers $ 300 you. Ve earned at the end of your first year ( only for new cardmembers ) cards/points or travel.!

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