اكتشفها مراجعة الاسترداد النقدي
اكتشفها مراجعة الاسترداد النقدي
اعلانات

Discover it® cash back is an important first step in getting a rewards credit card. Discover offers a solid reward for Discover it® cash back: Earn 5% cash back on daily purchases at various locations each quarter, up to $1,500 per quarter when enabled. Plus, all other purchases automatically receive 1% unlimited cash back. Discover also doubles any cash back you earn at the end of your first year as a cardholder, which may be more valuable than a more traditional welcome bonus, depending on how much you spend. Discover it® Cash Back has no annual fee.

Additional benefits of Discover it® Cash Back include no minimum amount for cash back redemption. The card offers an introductory 0% APR for 15 months on purchases and eligible balance transfers. Then the standard tax rate of the variable 12.24% – 23.24% applies. The transfer fee is up to 5% of the transfer amount.

للوهلة الأولى

  • لا رسوم سنوية
  • Discover automatically reconciles any cash back earned as a cardholder at the end of the first year. No minimum spend or maximum reward
  • Earn 5% cash back on everyday purchases at various locations each quarter, up to $1,500 in quarterly spend when activated. Plus, get unlimited 1% cash back on all other purchases – automatic
  • No minimum cash back redemption
  • Cashback does not expire

تعويض

كسب المكافآت

Discover it® Cash Back Earn 5% cash back on everyday purchases at various locations each quarter, up to $1,500 per quarter when activated. Plus, all other purchases automatically receive 1% unlimited cash back. Previous categories included gas stations, restaurants, Amazon.com, grocery stores, and more. 1% cash back on all other purchases.

At the end of your first year as a cardholder, Discover automatically reconciles any cash back earned at the end of your first year as a cardholder. There is no minimum spend or maximum reward.

استرداد المكافآت

Any amount of cash back can be redeemed by credit card or check at any time. Cash back can also be redeemed directly on Amazon.com. Cash back rewards never expire.

اعلانات

إمكانية المكافأة

To determine the reward potential of the Discover it® Cash Back Card, we need to look at the reward categories and calculate how much U.S. households are likely to spend in those areas. Forbes Advisor uses data from various government agencies to determine basic income and average spending for each category. 70% of working people bring in $100,172 a year, and our payout is based on that number.

With that in mind, according to the U.S. government, most households spend at least $1,500 a quarter on the bonus categories that Discover uses. Discover maximizes quarterly earnings bonuses up to $1,500 per quarter (or $6,000 per year), after which the rate drops to 1% with no limit. When the maximum is reached, cardholders can earn $300.00 from the bonus category.

We estimate that households spend $20,410 annually on their credit cards. If all of these charges are charged to the card, the cardholder will earn an additional $204.10. The total income of $504.10 per year does not include the welcome bonus for the first year.

Unlike traditional welcome bonuses, Discover offers cash-back contests – meaning they double the prize money in their first year. This means the family will receive an additional $504.10 in cash at the end of the first year.

اعلانات

0% السعر التمهيدي

This card offers a competitive APR introductory period: 0% introductory APR on purchases and eligible balance transfers within 15 months. Then the standard tax rate of the variable 12.24% – 23.24% applies. The transfer fee is up to 5% of the transfer amount.

المزيد من فوائد البطاقة

  • Freeze it®: Discover offers an easy way to block cards if you lose them. Cardholders can open and close their cards directly from the Discover app or online.
  • Monthly Credit Score: Your FICO credit score is printed on your monthly statement and is available anytime through the Discover app or website.
  • Dark Web Surveillance: Discovery claims to monitor the dark web, an underground version of the internet full of hackers and the sale of personal information. Discover sends cardholders a free notification when a cardholder’s Social Security number is discovered on the dark web.
  • $0 Fraud Liability: Cardholders are not responsible for unauthorized purchases made with this card.

مطبوعة بشكل جميل

مصروفات الفوائد

  • Regular APR: 12.24% – 23.24% variable
  • Purchase Introduction APR: 0% for 15 months
  • Introducing Balance Transfer APR: 0% for 15 months

يكلف

  • الرسوم السنوية: $0
  • Balance transfer fees: 3% initiation fee for balance transfers, up to 5% fee for future balance transfers (see terms)*
  • Cash Advances: $10 or 5% of the amount of each cash advance, whichever is greater
  • رسوم معاملات الشراء الأجنبية: لا شيء.

كيف يتم تكديس البطاقات

Discover it® Cash Back with Chase Freedom Flex

The Chase Freedom Flex℠ is the cash-back transaction card of choice. It offers a similar 5% cash back on a quarterly rotation in categories up to $1,500 (activation required), 5% on travel purchased through Chase Ultimate Rewards®, 3% at restaurants and pharmacies, and 1% on all other purchases. There is also no annual fee for Freedom Flex.

Chase Freedom Flex offers a welcome bonus: a $200 bonus after spending $500 within the first 3 months of account opening.

اعلانات

Points earned with Freedom Flex are more valuable when paired with a premium Chase card such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® as they transfer to partners such as Hyatt and United, and the value of Chase’s value increases Rewards redeemable for Ultimate travel purchases or through Chase’s Pay Yourself Back program.

Similar to Discover it® Cash Back, Freedom Flex offers an introductory 0% APR for 15 months on account opening and balance transfers, after which a variable APR of 14.99% – 23.74% applies. The introductory balance transfer fee is $5 or 3% of each transfer amount, whichever is greater within the previous 60 days, then $5 or 5% of each transfer amount, whichever is greater.

Freedom Flex is a stronger product in terms of extra credit card perks. It provides purchase protection, extended warranty coverage, trip cancellation/interruption coverage, mobile phone coverage and secondary comprehensive coverage for rental cars.

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Discover it® Cash Back and Citi® Double Cash Card

The Citi® Double Cash Card is a great cash back card for those who value simplicity. It offers 2% cash back on all purchases – 1% on purchases and 1% on withdrawals, with no annual fee.

The card offers 0% APR on prepaid transfers for 18 months. After that, the standard variable APR based on credit rating is 14.24% – 24.24%. There is also an initial balance transfer fee of $5 or 3% of any transferred amount within the first 4 months of account opening, whichever is greater. After that, the fee is 5% of each transfer (minimum $5). This card draws Discover it® Cash Back on cash back earnings, but there is no cap.

Discover it® Cash Back and American Express’ Blue Cash Preferred® Card

The Blue Cash Preferred® Card from American Express has an annual introductory fee of $0 for the first year, then $95. Annual Fee (Conditions apply. See Rates and Fees.), some may find the premium structure more than enough to make up for this. Cardholders will receive the following bonuses: 6% cash back on purchases up to $6,000 per year (1% at the time) at U.S. supermarkets, 6% cash back on select U.S. streaming subscriptions, at U.S. gas stations and in transit Receive 3% cash back (including taxis/carpools, parking, tolls, trains, buses, etc.) and 1% cash back on other eligible purchases. You receive cash back in the form of Rewards Dollars, which can be redeemed for statement credit.

هل هذه البطاقة مناسبة لك؟

If you’re looking for a rewards card with no annual fees that can earn you great rewards in certain areas of spending, the Discover it® Cash Back Card might be an option. But this card works best with cards that earn more than 1% on all spend outside of the quarterly bonus category.

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