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…]

travel-rewardsAirlines and hotels often receive a bad reputation for being too complicated and for changing their programs without advanced notice. For the most part, they deserve much of their criticism.

Nevertheless, there are still some programs out there that have earned my admiration, trust, and yes, loyalty.

Southwest Airlines Rapid Rewards

Don’t believe it when people value the frequent flier rewards of most airlines at what a ticket would have cost. Unaccounted for are the sacrifices in terms of advanced notice and flexible planning necessary to secure a scarce award seat.

This is not the case with Southwest, where any seat for sale is available as an award. Furthermore, I value their awards more than paid tickets, as awards are fully refundable (cancel a regular ticket and you will receive a travel credit that can only be used by the person the ticket was issued to). [click to continue…]

Discover It Vs. Chase Freedom, Which Card Has The Best Benefits?

August 27, 2014
Discover It Vs. Chase Freedom, Which Card Has The Best Benefits?

and 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 […]

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Chase Freedom Versus Discover It

August 25, 2014
Chase Freedom Versus Discover It

and the card are two of the most popular reward cards on the market. They both offer 1% cash back on all purchases, and an additional 4% cash back on purchases from select categories of merchants that change each quarter, on up to $1,500 of eligible spending each quarter. There is no annual fee for […]

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Rewards Pro – Is Retail Purchase Protection More Generous Than You Know?

August 22, 2014
Rewards Pro – Is Retail Purchase Protection More Generous Than You Know?

When you are approved for a credit card, the card comes in the mail a few days later, along with a booklet that details all of the benefits of this card. Most people just throw away this brochure full of fine print, but as a credit card expert, my job is to actually read it. […]

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Choosing The Right Discover Offer

August 20, 2014
Choosing The Right Discover Offer

The card does a great job of trying to be one card for all purposes. It features introductory financing offers, rewards for spending, and a range of other features and benefits. In addition, it also comes in three different versions. Here are those versions, and who should apply for which: with 14 months of interest […]

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No-Fee Barclaycard Arrival Vs. Citi ThankYou Preferred

August 18, 2014
No-Fee Barclaycard Arrival Vs. Citi ThankYou Preferred

Many credit card users want to earn as many rewards as possible, but without paying an annual fee. Citi offers its ThankYou Preferred card while  Barclaycard has a no-fee version of its Arrival card that feature bonus rewards for dining, and no annual fee. Lets see how these cards compare: Earning rewards The offers double […]

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U.S. Bank FlexPerks Travel Rewards Visa Signature card

August 15, 2014
U.S. Bank FlexPerks Travel Rewards Visa Signature card

Reward card holders are often frustrated with airline miles. Carriers are constantly devaluing their miles by requiring more miles for the same trips and reducing award availability to near zero on coveted flights. One alternative is to use a credit card that offers its own travel rewards points that can be redeemed for flights on […]

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