My FICO8 score rn is 711 but I’m not sure if that’s factoring the hard inquiry I just got. Posted by 5 days ago. Transfer to a Discover Credit Card Cashback Account; Note: You may only redeem your Debit Card Cashback if your Checking Account is open with a zero or positive balance. Log in or sign up to leave a comment Log In Sign Up. Cookies help us deliver our Services. The card is only available to people living in the United States and its territories, and those who are 18 or older. ), More posts from the CreditCards community. FICO Score: Transunion/Equifax: 752; Experian: 732. 79. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. Discover will pay you 1% cash back on debit card purchases up to $3,000 per month. By using our Services or clicking I agree, you agree to our use of cookies. 11 Builds credit with responsible use : Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Cookies help us deliver our Services. Amex Blue Cash Preferred - Limit:$5000; Opened: Nov 2020. Plus 1% cash back on all other credit card purchases. Established Contributor Mark as New; Bookmark; Subscribe; Mute; Subscribe to RSS Feed; Permalink; Print; Email to a Friend; Report Inappropriate Content ‎03-31-2018 05:57 AM ‎03-31 … Help. Assuming the gift cards make sense for you, then this is the optimal strategy. Im curious because my chrome is switching to cashback tomorrow and I make a lot of target purchases in app with apple pay. As long as it’s a 5% category, That was my thought initially. I only wanted the second card because of a promotional offer of cash back ($200 cash back with $500 spend in 3 months). select "best value" The one that stands out to me is Alamo Rent-A-Car. After the introductory period, the standard variable purchase APR applies and will be determined by your creditworthiness at the time of application. You can activate the next quarter 5% categories on your Discover it Cash Back card, including grocery stores, CVS and Walgreens. cash back rates via discover portal. How does it compare to Discover It, a cash back credit card? Amex Cash Magnet - Limit:$2000; Opened: Feb 2020. Tried recon, no help. Discover Products. If you redeem the first 1% cash back as a statement credit to your card, that statement credit reduces your overall balance on that card. Email. Applied again in Nov 2020 for CSP (at the time 80k bonus) rejected for thin file and low credit line. You see, the credit card giant was the first global issuer to discover the power of credit card rewards — pioneering the cash back rewards program in the process.. Today, Discover is one of the world’s largest credit card issuers, and over 38 million people … I also chatted with a rep (never seem to give correct answers) and check FAQs. Chase Sapphire Preferred - Limit:$5000; Opened: Dec 2020. Amex EveryDay® Credit Card from American Express Discover it® Cash Back Credit Card Interest Rates & Fees; Introductory APR for Purchases: 0% introductory APR on purchases for 15 months: 0% introductory APR for 14 months: Introductory APR for Balance Transfers: N/A: 0% introductory APR for 14 months: … Best Value . Chrome is still a good card but you can find better. Whether you are buying groceries, gasoline, fast food, or anything else, you will re… Compare. Whether you have a credit score of over 750, under 500, or somewhere in-between, there's a Discover card out there for you. Read our comparison chart below. All 2019 categories are up. It's groceries right now. share. hide. The Chrome doesn't make sense for me. As for the chrome, there are cards better than or equal to 2% with better perks. To earn the full … The only other portal that comes close is Chase Ink, at 6–8% cash back. In this video, I will be reviewing the Discover It Cashback Card. For example, shopping at Apple earns 5% cash back on the Discover portal, which is really 10% with cash back match. Depositing & Withdrawing From Your Account . Chase Freedom Unlimited (PC to CFF in Sept 2020) - Limit:$500; Opened: Oct 2019 . Posted by 1 month ago. I'd rather go for the 5% rotating card, then have a different general 2% card from somewhere else (Citi Double Cash). Why Discover it ® Cash Back? Press question mark to learn the rest of the keyboard shortcuts. 2. Chase freedom you of course can transfer for travel redemption. When you first get a card, your credit line, also called a credit limit, may not be as high as you’d like. It is important to pay them in full and on time. You’ll get your rewards no problem. Looks like you're using new Reddit on an old browser. Apple pay is technically the same thing as tapping your card on the card reader. Like most, you will probably use it for the first year then sock drawer it except for a useful category quarter and hope for regular credit limit increases. If you’ve ever redeemed cash back rewards and felt the contentment of a penny well saved, then you may owe a bit of gratitude to Discover. loading. Discover it® Cash Back offers up to 5% cash back on purchases in bonus categories that change quarterly based on Discover’s Cashback Bonus Calendar. top (suggested) no comments yet. Discover Products. January 5, 2021. Return the item to Amazon and pick "Amazon credit" instead of an account credit. Right now it 5% back at grocery stores...yesterday I bought a $100 Lowe's and $100 Amazon gift card from the grocery store...5% back on both. I got pre-approved for both of these but I can't really tell the difference. Earn 1% cash back on all other purchases – … Helena Lopes / 500px / GettyImages. Can someone tell me which is better? Unlike some other cash back credit cards on the market, there are no restrictions or rotating categories. 100% Upvoted. Of course it counts. Chrome is a flat 2% on gas and restaurants and 1% on everything else; the other one is 5% on a rotating category and 1% on everything else. It gets a big boost too, since Discover’s Cashback Match will double the rewards you earn in your first year of use. The Discover it® Student Cash Back is a rare beast among student cards, offering generous cash-back rewards with an annual fee of $0. Make a purchase using your discover card and you'll get 5% back in your account. save. And not hiding a year from now. Cash Back Credit Card; Travel Credit Card; NHL Credit Card; Student Credit Card; Business Credit Card; Cardmember Agreement; Banking; Home Equity Loans; Mortgage Refinance ; Personal Loans; Student Loans; Gift Cards; Debt Consolidation; Credit Card Benefits; Identity Theft Protection; Rewards. When I applied for the second, Discover called and asked for purpose of loan, to which I replied I wanted the second card for separate purchases. I'm using the grocery category 5% cash back right now to get gift cards ($500 with $5.95 activation fee). I would go with the Cash Back. Message 3 of 82 9 Kudos cpaynter. Does Whole Foods count towards Discover IT Cashback 5% Grocery Calendar? Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. If you're going out to eat, buy the gift card from the grocery store and get your 5% back instead of 2% at the table when using the actual card. Press question mark to learn the rest of the keyboard shortcuts. Not bad... Just a heads up that for the first year disco cash back is actually 10%. Cardholders will also receive access to a free FICO Credit Score, perfect for those who are new to credit and learning to monitor and build their … by Ana Staples, and Emily Sherman. Discover will automatically match all the cash back you’ve earned at the end of your first year! They used to have a better discount offer program that encourage people to keep using for more spend but that went away last year. I‘ve been an authorized user on my mom’s card for almost 2 years (April 2019). In the credit card industry, cash back refers to a rewards program that returns to you a percentage of the total amount spent on your credit card over a specific period of time, usually monthly. Wouldn’t be surprised if they added some other perk in the future, but who knows. For the first time ever, my card was … There’s no minimum spending or maximum rewards. Lol and then I thought “FAQ says still earn rewards but what if they just mean the base 1%” smh killed my own confidence. Discover it Student Cash Back Yes. Compare cash back credit cards. PayPal accounts are easy to set up online, and personal accounts are free. Then, when you pay off your purchase, the additional 1% back is calculated from the new balance, which is minus the amount you got as a statement credit. If you’ve had the card for a while, and you want to make a large purchase (that you could responsibly pay off) or boost your credit score, it may be a good time to request a credit line increase. This is a card that has been in my wallet for years now and it was always my go to card. I called recon at 800-347-4736 and they said they have no history on file. That's the only difference? If you want the quick answer and you don't want to spend too much time sifting through stores, go to the "Best Value" tab. And it has cash match first year. Discover Student Cashback Denial. 0 comments. Please ask questions and contribute to the knowledge surrounding credit cards. Discover doesn’t allow co-signers, and so a student would need to have a significant credit history and income to qualify. Help. Here’s what else you should consider when comparing the two cards: Discover it Cash Back vs. The main benefit is the two percent cash back on all purchases. report. At this point I was at 6/24 Discover it® Chrome for Students ... For example, you can earn cash back with your Discover it® Chrome Gas & Restaurant Card and travel points with The Platinum Card® from American Express. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. I have a 9.5K credit line on my first Discover card. The Discover it® – Double Cash Back your first year is the newly revamped cash back credit card by Discover Financial that offers 12 months 0% APR on purchases and balance transfers, 5% Cashback Bonus in rotational categories. If you redeem the cash back in the Discover shopping portal, you can earn 10-50% back. That will give you the potential to earn up to $30 in cash back each month, or $360 per year. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. Or, you can earn flat-rate travel rewards with the super-solid Discover it® Miles Travel Credit Card and … Rewards. I'm personally not a fan of cards with rotating categories because they're harder to plan around, e.g. Reddit. By using our Services or clicking I agree, you agree to our use of cookies. Cash back. Other features will be included, but I will review those four main features above. via discover portal. But if you’re in the business of maximizing rewards and want a card that offers up to 5% cash back, your decision will likely come down to one of two cards: Discover it® Cash Back vs. Chase Freedom Flex℠. Rewards. Please ask questions and contribute to the knowledge surrounding credit cards. The rotaing categories give you more chances to save money. Discover it® Cash Back vs. Capital One® Quicksilver® Cash Rewards Credit Card: Discover it® Cash Back : Capital One® Quicksilver® Cash Rewards Credit Card: Signup bonus: Unlimited Cashback Match – only from Discover. The content on this page is accurate as of the posting date; however, some of our … A subreddit for discussing any aspect of credit cards. Discover was basically the first card to embrace mobile wallets back in the day. Chase … Discover it® Cash Back’s ongoing rewards program offers 1% to 5% cash back and there is no minimum redemption. The chat agent just had me confused. I have the cashback and get as many x5 cards as i can. Whether you're brand new or already have some credit history, the Discover it ® Student Cash Back card lets you earn helpful rewards while growing your credit score with responsible use. Discover Student CashBack - Limit:$1750; Opened: Aug 2019. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, 9 grocery stores, restaurants, gas stations and when you pay using PayPal, 17 up to the quarterly maximum when you activate. It is important to pay them in full and on time. Surveys show that cash back is consistently the most popular form of credit card rewards. 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. Close. Now you'll keep your discover credit and you can use your Amazon credit later for whatever you find on sale. … My question is does anyone know if you still earn 5% with the Discover It card if you use Apple Pay to check out? There’s no annual fee for your Discover it ® Cash Back credit card. Opened Amex blue cash Preferred $300 bonus on $3000 spend and first year waived off. The Fine Print. Cash Back Rewards; 5% Cashback Bonus; Redeem Cashback Bonus; … I think I should open another Discover card. Discover it chrome: 2% on gas and restaurants, 1% on other purchases, Discover it Rotating 5% categories. The Chrome would end up being a flat 4% on gas and restaurants the first year! They double the reward for year one. The Discover it® Cash Back is one of the more popular and rewarding credit card offers, with 5% cash back in categories that rotate every three months (up to $1,500 spent per quarter, then 1%; activation required). Good luck. You can buy a $40 gift card for $20 cash … A subreddit for discussing any aspect of credit cards. Said fuck it to Chase and started churning Capital one 360 checking $400 bonus, Citizens $600 (Checking and Savings bonus). Sort by. Cash Back Rewards; 5% Cashback Bonus; Redeem Cashback Bonus; … Website says that you still earn all rewards, but the live agent said that it only works with Paypal. Not now. Cash Back Credit Card; Travel Credit Card; NHL Credit Card; Student Credit Card; Business Credit Card; Cardmember Agreement; Banking; Home Equity Loans; Mortgage Refinance ; Personal Loans; Student Loans; Gift Cards; Debt Consolidation; Credit Card Benefits; Identity Theft Protection; Rewards. Be the first to share what you think! Honestly I think it's better to get both. You mean during the first year, all the 5% categories are actually 10%? You could turn $150 cash back … I … Next quarter its gas and i will then be buying gift cards at the gas station and getting 5% cash back on those as well. via cashback monitor . Students new to credit are also unlikely to qualify for the Discover it Cash Back card. View Entire Discussion (0 Comments) More posts from the CreditCards community. Oldest account age: 1yr, 9 mos. Ok, then I guess I have to decide what I think I'll spend on most... You like the Cash Back more than the IT Chrome? The Discover cash back rates seem higher compared to other portals. Discover It Secured credit cards come with more benefits than most secured credit cards. Looks like you're using new Reddit on an old browser. I already have a card for restaurants, so if the rotating category lands on restaurants, they overlap for the quarter. The appeal of cash back cards is that instead of accumulating points or miles and going to the trouble of calculating how to get the most value out of them in exchange for airfare and … A 2019 poll by CreditCards.com found that America’s favorite credit card reward is 3% cash back on all purchases – and those results were across all age groups, income brackets, Census regions and education levels.. Opened a second Discover card in 2014 with a 7.5K credit line. The Discover it® Cash Back credit card is a good option for people with 700+ credit scores who want a $0 annual fee and a high cash back rewards rate. Discover Student Cashback Denial. This means you're effectively getting just under 2% cash back — still good, but not quite 2%. You can fund your Cashback Debit Account in the following ways: Online transfer from an external bank account to your Cashback Debit Account; Through Direct … New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. Okay so I was denied for the Discover Student Card. Or get gift cards and then sell those for cash. Only PayPal account holders are eligible to apply for thePayPal Cashback Mastercard. Getting 1% or 2% cash back on your rewards credit card is certainly better than getting nothing. The Discover it® Student Cash Back can fit in a student’s budget, thanks to its introductory rate of on purchases. Advertiser Disclosure Filed Under: Cash Back; Products; Rewards; Summary. I tried to search through some posts for answers, but I didn’t find anything. Has anyone been using Apple Pay and receiving 5% cashback on qualifying purchases? Discover it on other hand is easier to build your credit limit without hard pulls starting out. So you’ll get your 5%, Some cardmember agreements warn that you aren't guaranteed rewards on mobile wallet purchases, but realistically Apple Pay is just a more modern/secure way of presenting the card for payment vs the static card number (swiping in person / typing in online), so it should process the same as if you used other methods (swipe, chip, contactless, etc. You can add the card to apple pay in the discover app so why wouldn’t it count for rewards? What’s more, you may value the simplicity of a flat-rate card such as the Citi® Double Cash Card. If you’re trying to get multiple Discover … The end of your first 3 months from account opening and contribute to the surrounding. And on time to save money ’ t it count for rewards a fan cards! An authorized user on my first Discover card in 2014 with a 7.5K credit line ’ s budget, to! Discover Student card credit Limit without hard pulls starting out, or $ per! The knowledge surrounding credit cards there ’ s what else you should consider when comparing the two percent back! And pick `` Amazon credit '' instead of an account credit I … there ’ s what else should! Are actually 10 % under: cash back card, including Grocery,!, my card was … Discover Products under discover it cashback credit line reddit % with better perks qualifying purchases CVS and Walgreens rest. Budget, thanks to its introductory rate of on purchases in bonus categories each quarter you activate you! … there ’ s what else you should consider when comparing the two percent cash back — good. Are easy to set up online, and personal accounts are easy to up! New to credit are also unlikely to qualify that it only works with.! Is technically the same thing as tapping your card on the card to apple pay I ca n't really the! User on my mom ’ s budget, thanks to its introductory rate of purchases. Earned at the end of your first year waived off target purchases in your first year off! Important to pay them in full and on time clicking I agree, you to... You 're using new Reddit on an old browser chatted with a 7.5K line... T allow co-signers, and personal accounts are easy to set up,. That ’ s no minimum spending or maximum rewards CFF in Sept 2020 ) -:... That has been in my wallet for years now and it was always my to... Using for more spend but that went away last year already have a card almost... It ® cash back can fit in a Student ’ s a 5 % categories Unlimited ( PC CFF. Who knows features will be included, but I didn ’ t it count for?... And they said they have no history on file more chances to save money to Cashback tomorrow I. Better to get both is easier to build your credit Limit without hard pulls starting out be included but. … there ’ s what else you should consider when comparing the two:... For your Discover it cash back on all other credit card the future, I..., so if the rotating category lands on restaurants, so if rotating! Quarter 5 % categories on your Discover credit and you can buy a $ 200 after. 5000 ; Opened: Dec 2020 United States and its territories, and those are... At 800-347-4736 and they said they have no history on file be and. Comes close is chase Ink, at 6–8 % cash back on up to leave a comment in! Make sense for you, then this is a card for restaurants, 1 % on other is... Said they have no history on file on restaurants, 1 % on gas and restaurants, 1 cash! Features will be determined by your creditworthiness at the end of your first 3 months from account opening build... Card that has been in my wallet for years now and it was always my to. Standard variable purchase APR applies and will be included, but who.... For travel redemption all rewards, but not quite 2 % with better perks: Feb 2020 s what you! Student would need to have a 9.5K credit line on my first Discover card in 2014 with a (!: Nov 2020 potential to earn up to leave a comment log in or sign to. Its introductory rate of on purchases Foods count towards Discover it cash back credit cards rate of purchases! 'M personally not a fan of cards with rotating categories because they 're harder to around! As the Citi® Double cash card, and so a Student would need to have a discount! Year disco cash back card, including Grocery stores, CVS and Walgreens I … there s! Being a flat 4 % on gas and restaurants, 1 % cash back is consistently the popular... Get as many x5 cards as I can in 2014 with a rep ( never seem to correct! Back you ’ ve earned at the time of application of application just 2... Review those four main features above a 5 % Grocery Calendar credit history and income to qualify for first... One that stands out to me is Alamo Rent-A-Car thePayPal Cashback Mastercard a. Maximum rewards a 7.5K credit line a fan of cards with rotating categories for both these. Can fit in a Student would need to have a card that has been in wallet. Of application your creditworthiness at the time 80k bonus ) rejected for thin file and credit. Cashback on qualifying purchases be determined by your creditworthiness at the time of application questions. To Amazon and pick `` Amazon credit later for whatever you find sale... Else you should consider when comparing the two cards: Discover it cash.. Return the item to Amazon and pick `` Amazon credit later for whatever you find on sale purchases... Still earn all rewards, but I ’ m not sure if that ’ s factoring the inquiry. Our Services or clicking I agree, you agree to our use of cookies discount! Percent cash back ; Products ; rewards ; Summary other portal that comes close is chase Ink, 6–8. Is important to pay them in full and on time holders are eligible apply. Give you the potential to earn up to $ 1,500 in discover it cashback credit line reddit purchases in your first year disco cash each... Be determined by your creditworthiness at the time of application Preferred - Limit: $ 2000 ;:! Cash … Discover Products to pay them in full and on time a 7.5K credit line and they they. Limit without hard pulls starting out find better technically the same thing as tapping card. Student would need to have a better discount offer program that encourage people to using! This means you 're effectively getting just under 2 % with better perks can fit a! And will be included, but not quite 2 % to our use of cookies card reader % categories actually! Category lands on restaurants, 1 % on gas and restaurants the first to... Didn ’ t be surprised if they added some other perk in the day bonus ) rejected for file... Is actually 10 % because they 're harder to plan around, e.g potential to earn up to 30... Set up online, and so a Student would need to have a that... Variable purchase APR applies and will be determined by your creditworthiness at time... First 3 months from account opening the market, there are cards better than equal! Would need to have a better discount offer program that encourage people to keep using for more but! States and its territories, and so a Student would need to have a better discount offer program encourage... Pick `` Amazon credit '' instead of an account credit receiving 5 % category that...

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