Credit Cards

[asteroidblues86]

How do you like it? Do you get any reactions from people who don't know what it is? I can't app because I live in Texas. Here are the cards available in the USA:

For anyone who does not know the card can be used at over 5.5 million merchants in the USA that accept Discover card.

[flowfaster]

I want the 3% on everything Marukai card so bad. You have to mail the app in though.

[sakhalin070]

If JCB can be used anywhere where Discover is accepted, can Discover be used anywhere JCB is accepted?

[daybreakgonesXe]

Thats true sakhalin!

[andre181]

Yes, you can use your Discover card anywhere JCB is accepted. 

With Discover's partnership with JCB (Japan) and UnionPay (China), and no foreign transaction fee, Discover is a pretty good travel card if you are planning to travel to Asia.

[flowfaster]

★Earn up to 3% Cash Back Points*
Earn up to 3% cash back points on all purchases including spending at Marukai.
No limit on how much you can earn.
・Earn up to 1% cash back points* on first $1,000 yearly, and
・Earn up to 2% cash back points* on next $2,000 yearly, and
・Earn up to 3% cash back points* on over $3,000 yearly.

★Earn up to an additional $50 Bonus**
・ Earn additional $15 bonus** when you spend $1,000 or more yearly, or
・ Earn additional $50 bonus** when you spend $5,000 or more yearly.

$15 AF(waived first year)

Tell me that does not sound tempting.  So if you spend only $5000 annual that's 3.2%($160) cashback and it only gets better once your in that 3% zone.

[Ron1]

I heard they are very conservative to grant credit.

Ron.

[trumpet-205]

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asteroidblues86 wrote:

For anyone who does not know the card can be used anywhere Discover is accepted.

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sakhalin070 wrote:
If JCB can be used anywhere where Discover is accepted, can Discover be used anywhere JCB is accepted?

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Correction, it can only be used at US retail store where Discover is accepted.

JCB-Discover alliance only covers retail acceptance (no mail order or online shopping), and only covers US portion.

[sakhalin070]

Any foreign transaction fee? (since these cards are issued in the US)  I have a Discover card though, so I guess I'm good on that for using it in Japan with no fee.

I'm just looking ahead since I might be going to grad school in the LA area where there are several Marukai stores.  I shop at asian grocery stores a lot too so the Marukai card sounds like a good deal!

[trumpet-205]

There is 1.1% FTF for any JCB card.