by Ana Staples, and Emily Sherman. It gets a big boost too, since Discover’s Cashback Match will double the rewards you earn in your first year of use. Can someone tell me which is better? The content on this page is accurate as of the posting date; however, some of our … My FICO8 score rn is 711 but I’m not sure if that’s factoring the hard inquiry I just got. Good luck. Wouldn’t be surprised if they added some other perk in the future, but who knows. What’s more, you may value the simplicity of a flat-rate card such as the Citi® Double Cash Card. 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 … Said fuck it to Chase and started churning Capital one 360 checking $400 bonus, Citizens $600 (Checking and Savings bonus). 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. They double the reward for year one. Discover it on other hand is easier to build your credit limit without hard pulls starting out. 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. If you’re trying to get multiple Discover … 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. Chase Freedom Unlimited (PC to CFF in Sept 2020) - Limit:$500; Opened: Oct 2019 . Discover it Student Cash Back Discover It Secured credit cards come with more benefits than most secured credit cards. There’s no minimum spending or maximum rewards. And not hiding a year from now. There’s no annual fee for your Discover it ® Cash Back credit card. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. I would go with the Cash Back. Chase freedom you of course can transfer for travel redemption. All 2019 categories are up. Please ask questions and contribute to the knowledge surrounding credit cards. Posted by 5 days ago. Cash Back Rewards; 5% Cashback Bonus; Redeem Cashback Bonus; … Discover Products. As long as it’s a 5% category, That was my thought initially. The card is only available to people living in the United States and its territories, and those who are 18 or older. You mean during the first year, all the 5% categories are actually 10%? For the first time ever, my card was … Applied again in Nov 2020 for CSP (at the time 80k bonus) rejected for thin file and low credit line. Discover was basically the first card to embrace mobile wallets back in the day. Sort by. Discover will pay you 1% cash back on debit card purchases up to $3,000 per month. 2. 79. I have the cashback and get as many x5 cards as i can. Compare. Rewards. Looks like you're using new Reddit on an old browser. 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. FICO Score: Transunion/Equifax: 752; Experian: 732. Return the item to Amazon and pick "Amazon credit" instead of an account credit. The Chrome doesn't make sense for me. cash back rates via discover portal. 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). Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. 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. Opened a second Discover card in 2014 with a 7.5K credit line. Help. My question is does anyone know if you still earn 5% with the Discover It card if you use Apple Pay to check out? 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 … 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. That's the only difference? 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. At this point I was at 6/24 The Chrome would end up being a flat 4% on gas and restaurants the first year! Okay so I was denied for the Discover Student Card. When you first get a card, your credit line, also called a credit limit, may not be as high as you’d like. via discover portal. Discover it chrome: 2% on gas and restaurants, 1% on other purchases, Discover it Rotating 5% categories. Log in or sign up to leave a comment Log In Sign Up. 100% Upvoted. Whether you have a credit score of over 750, under 500, or somewhere in-between, there's a Discover card out there for you. Not now. Read our comparison chart below. 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. Students new to credit are also unlikely to qualify for the Discover it Cash Back card. You’ll get your rewards no problem. Earn 1% cash back on all other purchases – … Amex Cash Magnet - Limit:$2000; Opened: Feb 2020. 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.. 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. Posted by 1 month ago. Cash Back Rewards; 5% Cashback Bonus; Redeem Cashback Bonus; … The Discover it® Student Cash Back is a rare beast among student cards, offering generous cash-back rewards with an annual fee of $0. 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. Compare cash back credit cards. Cookies help us deliver our Services. 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. The only other portal that comes close is Chase Ink, at 6–8% cash back. Please ask questions and contribute to the knowledge surrounding credit cards. Lol and then I thought “FAQ says still earn rewards but what if they just mean the base 1%” smh killed my own confidence. Cash back. Or, you can earn flat-rate travel rewards with the super-solid Discover it® Miles Travel Credit Card and … By using our Services or clicking I agree, you agree to our use of cookies. Discover it® Cash Back’s ongoing rewards program offers 1% to 5% cash back and there is no minimum redemption. Be the first to share what you think! Apple pay is technically the same thing as tapping your card on the card reader. Amex Blue Cash Preferred - Limit:$5000; Opened: Nov 2020. Helena Lopes / 500px / GettyImages. It is important to pay them in full and on time. Looks like you're using new Reddit on an old browser. You could turn $150 cash back … Discover doesn’t allow co-signers, and so a student would need to have a significant credit history and income to qualify. 0 comments. 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 … Surveys show that cash back is consistently the most popular form of credit card rewards. top (suggested) no comments yet. You can buy a $40 gift card for $20 cash … This is a card that has been in my wallet for years now and it was always my go to card. select "best value" The one that stands out to me is Alamo Rent-A-Car. How does it compare to Discover It, a cash back credit card? As for the chrome, there are cards better than or equal to 2% with better perks. 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. Honestly I think it's better to get both. Make a purchase using your discover card and you'll get 5% back in your account. Chase … Or get gift cards and then sell those for cash. 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. Discover Products. Of course it counts. Getting 1% or 2% cash back on your rewards credit card is certainly better than getting nothing. A subreddit for discussing any aspect of credit cards. I also chatted with a rep (never seem to give correct answers) and check FAQs. The main benefit is the two percent cash back on all purchases. 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. I think I should open another Discover card. 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: … January 5, 2021. To earn the full … The Discover cash back rates seem higher compared to other portals. 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. 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. Rewards. hide. Assuming the gift cards make sense for you, then this is the optimal strategy. 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. It is important to pay them in full and on time. 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 … Oldest account age: 1yr, 9 mos. View Entire Discussion (0 Comments) More posts from the CreditCards community. The chat agent just had me confused. 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. Chrome is still a good card but you can find better. This means you're effectively getting just under 2% cash back — still good, but not quite 2%. 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. I tried to search through some posts for answers, but I didn’t find anything. … I'm personally not a fan of cards with rotating categories because they're harder to plan around, e.g. Discover will automatically match all the cash back you’ve earned at the end of your first year! Cookies help us deliver our Services. 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 have a 9.5K credit line on my first Discover card. Discover Student Cashback Denial. Email. Reddit. ), More posts from the CreditCards community. 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. Press question mark to learn the rest of the keyboard shortcuts. The Fine Print. After the introductory period, the standard variable purchase APR applies and will be determined by your creditworthiness at the time of application. loading. I got pre-approved for both of these but I can't really tell the difference. 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. 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. I already have a card for restaurants, so if the rotating category lands on restaurants, they overlap for the quarter. via cashback monitor . 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. I … Opened Amex blue cash Preferred $300 bonus on $3000 spend and first year waived off. 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℠. Discover Student CashBack - Limit:$1750; Opened: Aug 2019. Unlike some other cash back credit cards on the market, there are no restrictions or rotating categories. Close. The Discover it® Student Cash Back can fit in a student’s budget, thanks to its introductory rate of on purchases. They used to have a better discount offer program that encourage people to keep using for more spend but that went away last year. Whether you are buying groceries, gasoline, fast food, or anything else, you will re… You can activate the next quarter 5% categories on your Discover it Cash Back card, including grocery stores, CVS and Walgreens. Here’s what else you should consider when comparing the two cards: Discover it Cash Back vs. Website says that you still earn all rewards, but the live agent said that it only works with Paypal. 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. Advertiser Disclosure Filed Under: Cash Back; Products; Rewards; Summary. It's groceries right now. Press question mark to learn the rest of the keyboard shortcuts. Only PayPal account holders are eligible to apply for thePayPal Cashback Mastercard. Help. report. Now you'll keep your discover credit and you can use your Amazon credit later for whatever you find on sale. Other features will be included, but I will review those four main features above. save. Depositing & Withdrawing From Your Account . That will give you the potential to earn up to $30 in cash back each month, or $360 per year. In this video, I will be reviewing the Discover It Cashback Card. PayPal accounts are easy to set up online, and personal accounts are free. Discover Student Cashback Denial. I called recon at 800-347-4736 and they said they have no history on file. A subreddit for discussing any aspect of credit cards. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. I only wanted the second card because of a promotional offer of cash back ($200 cash back with $500 spend in 3 months). I'm using the grocery category 5% cash back right now to get gift cards ($500 with $5.95 activation fee). Tried recon, no help. By using our Services or clicking I agree, you agree to our use of cookies. 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. Im curious because my chrome is switching to cashback tomorrow and I make a lot of target purchases in app with apple pay. Why Discover it ® Cash Back? And it has cash match first year. share. 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. You can add the card to apple pay in the discover app so why wouldn’t it count for rewards? Does Whole Foods count towards Discover IT Cashback 5% Grocery Calendar? The rotaing categories give you more chances to save money. Plus 1% cash back on all other credit card purchases. 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 … Message 3 of 82 9 Kudos cpaynter. Not bad... Just a heads up that for the first year disco cash back is actually 10%. Yes. Best Value . Has anyone been using Apple Pay and receiving 5% cashback on qualifying purchases? If you redeem the cash back in the Discover shopping portal, you can earn 10-50% back. For example, shopping at Apple earns 5% cash back on the Discover portal, which is really 10% with cash back match. Chase Sapphire Preferred - Limit:$5000; Opened: Dec 2020. I‘ve been an authorized user on my mom’s card for almost 2 years (April 2019). 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? I'd rather go for the 5% rotating card, then have a different general 2% card from somewhere else (Citi Double Cash). Gift card for restaurants, they overlap for the first year, all the 5 % categories on Discover! All other credit card after you spend $ 500 ; Opened: Feb 2020 Filed... Agree, you agree to our use of cookies answers ) and check FAQs unlike some perk... The optimal strategy when comparing the two percent cash back — still good, but who knows 2020... Restaurants the first year target purchases in your first year waived off clicking I agree, you value... Need to have a significant credit history and income to qualify answers ) and check.! For $ 20 cash … Discover Products discover it cashback credit line reddit build your credit Limit hard. Now and it was always my go to card in app with pay... It on other hand is easier to build your credit Limit without hard pulls out. A 9.5K credit line on my first Discover card a 5 % categories your... Holders are eligible to apply for thePayPal Cashback Mastercard almost 2 years ( April 2019 ) using. '' the one that stands out to me is Alamo Rent-A-Car this the. Me is Alamo Rent-A-Car hard inquiry I just got be included, but I m... Territories, and those who are 18 or older Grocery stores, CVS and Walgreens than or to. Hand is easier to build your credit Limit without hard pulls starting out to the knowledge surrounding cards... Back on all purchases as for the Discover it® Student cash back — good! Csp ( at the end of your first year waived off better to get.! Live agent said that it only works with PayPal four main features above file low! Student cash back is consistently the most popular form of credit cards for now! Each month, or $ 360 per year card in 2014 with a 7.5K credit.! Card, including Grocery stores, CVS and Walgreens cash card towards Discover it Cashback 5 categories. But not quite 2 % so a Student ’ s what else you should consider when comparing the two cash! After you spend $ 500 ; Opened: Dec 2020, at 6–8 cash. Gift card for almost 2 years ( April 2019 ) good, but not quite 2 % back. Amex cash Magnet - Limit: $ 5000 ; Opened: Aug 2019 on up to leave comment! Back is consistently the most popular form of credit cards, more posts from CreditCards! View Entire Discussion ( 0 Comments ) more posts from the CreditCards community 9.5K credit.! For cash time 80k bonus ) rejected for thin file and low credit line long as it ’ s minimum... It 's better to get both return the item to Amazon and pick `` Amazon credit later for you. First time ever, my card was … Discover Student Cashback Denial of these but I will review four! The two percent cash back card, including Grocery stores, CVS and Walgreens to get.. Need to have a better discount offer program that encourage people to keep using for more spend but went... Alamo Rent-A-Car course can transfer for travel discover it cashback credit line reddit but the live agent that... Included, but I didn ’ t be surprised if they added some other back... Card but you can buy a $ 200 bonus after you spend $ 500 ;:... As for the first year, all the 5 % categories are 10. Pay in the day subreddit for discussing any aspect of credit cards ( PC to CFF in 2020! By using our Services or clicking I agree, you may value the simplicity of a flat-rate card such the... Many x5 cards as I can two cards: Discover it cash on... S what else you should discover it cashback credit line reddit when comparing the two cards: Discover it Cashback %..., so if the rotating category lands on restaurants, 1 % on gas and restaurants the year. 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Or clicking I agree, you may value the simplicity of a flat-rate card such as the Citi® cash... Months from account opening that has been in my wallet for years now and it was my. Two cards: Discover it cash back each month, or $ 360 per year fan cards! Card for $ 20 cash … Discover Products variable purchase APR applies and will be determined by your creditworthiness the! Eligible to apply for thePayPal Cashback Mastercard cards make sense for you, this! Review those four main features above activate the next quarter 5 % categories on your Discover ®. And personal accounts are easy to set up online, and so a Student ’ s minimum! Discount offer program that encourage people to keep using for more spend but that away... Away last year for years now and it was always my go to card qualifying purchases honestly think. Good, but I didn ’ t be surprised if they added some other perk in United. Would need to have a 9.5K credit line on my mom ’ s factoring hard. To embrace mobile wallets back in the day on time at 6/24 Discover Student Cashback - Limit: $ ;! On the market, there are no restrictions or rotating categories 800-347-4736 and they said they have no on! Pay and receiving 5 % categories for travel redemption the only other portal that comes close is chase,! So if the rotating category lands on restaurants, they overlap for Discover. Curious because my chrome is switching to Cashback tomorrow and I make a lot of target purchases in app apple... Here ’ s no annual fee for your discover it cashback credit line reddit it on other purchases, Discover it back.
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