discover_itChase Freedom® and Discover it® have both hit on winning formulas for credit card users. Both offer cash back rewards in the form of 1% for all purchases and an additional 4% for purchases from select categories of merchants that change each quarter, on up to $1,500 of eligible spending each quarter. Both cards also come with competitive promotional financing offers on both new purchases and balance transfers. There is no annual fee for either card.

So one way to decide between these two cards is to consider the other benefits offered:

Discover it®

The Discover it® card has no penalty interest rate and will automatically waive cardholder’s first late fee. This means that customers will not see their interest rate rise if they happen to make a late payment.  Discover also offers a lower rate or lower payment should cardholders loose their job. [click to continue…]

discover-it-newThe Discover it® card is one of the leading cash back credit cards offered. It features 1% cash back on all purchases, plus an additional 4% cash back on select categories of purchases that change each quarter, on up to $1,500 in eligible purchases. For the 3d quarter of 2014, the bonus category includes gas stations. The third quarter includes July, August, and September.

5% cash back on $1,500 is $75, which is enough money that cardholders won’t want to miss out on this opportunity. Here are several ways that you can make sure you get the most from this offer.

Make sure to activate the bonus categories

Each quarter, cardholders must sign up for the 5% offer. Thankfully, cardholders can do so through the end of September, and the bonus applies retroactively to the purchases that they already made during the 3d quarter. [click to continue…]

Chase Freedom Q4 Bonus Categories

September 26, 2014
Chase Freedom Q4 Bonus Categories

The is one of the most popular reward cards in the United States. It offers 5% cash back on select categories of purchases that change each quarter, on up to $1,500 spent each quarter. In addition, it also offers 1% cash back on all other purchases. Q4 bonus categories This year, Chase has released its […]

Continue Reading →

Best Reward Credit Card Deals For September

September 24, 2014
Best Reward Credit Card Deals For September

Travel rewards credit cards are great, but many Americans prefer good old fashioned cash back rewards. This September, there are still several leading cash back credit card offers available for applicants to choose from. New cardholders can receive a $100 bonus after spending just $500 on their card within three months of opening their account. […]

Continue Reading →

Best 0% APR Offers For September

September 22, 2014
Best 0% APR Offers For September

It is always better to get a credit card with a 0% APR offer on new purchases than it is to try to avoid interest on previous purchases with a 0% promotional balance transfer offer. Cardholders must pay interest on their purchases until the transfer, and these balance transfer offers typically include a 3% balance […]

Continue Reading →

Best Travel Rewards Promotions For September

September 19, 2014
Best Travel Rewards Promotions For September

Credit cards users love travel rewards as it allows them to earn free travel in exchange for their loyalty. While one or two percent cash back is nice, it just doesn’t have the appeal of a free trip to one’s favorite destination. This September, there are several great travel rewards promotions available to credit card […]

Continue Reading →

Best Balance Transfer Offers For September

September 17, 2014
Best Balance Transfer Offers For September

Its easy to get into credit card debt, but it can be extremely difficult to pay it off. Making matters worse are high interest rates that keep adding to the amount owed. To get out of this cycle, cardholders can utilize a credit card with a 0% APR promotional balance transfer offer. Here are some […]

Continue Reading →

The Credit Card For People Who Don’t Like Credit Cards

September 15, 2014
The Credit Card For People Who Don’t Like Credit Cards

Not everyone loves their credit cards. When a payment arrives late by accident, cardholders may have to pay expensive late fees and interest charges, and their APR may even rise to a much higher penalty interest rate. Frankly, some credit card users have no interest in giving their business to a company that is bent […]

Continue Reading →