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Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Discover 2% back september 1-4


jsickz32 wrote:

gettnthere wrote:

trumpet-205 wrote:

For eatting outside, Citi Forward card is your best friend forever. CSP if you travel as well.



i know your right and i really REALLY want that darn card, so bad i can nearly taste it lol, but my score just isn't where i need it to be yet to apply for it. its definetly on my "to get" list.


i got approved for it with 676 EQ with 2000 cl.


wow thats pretty darn good! Unfortunately, im stuck in "toy limit hell" right now and im afraid if i applied now id be stuck with another limit like i already have.



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Established Member
youngmoneyok
Posts: 31
Registered: ‎08-14-2012
0

Re: Discover 2% back september 1-4

Discover needs to step up with their promotions. Their merchant fees are higher than Visa/Mastercards, so I really don't know why their rewards suck. 2% is great, only if it is on everything, all the time. 

Frequent Contributor
Razeus
Posts: 395
Registered: ‎04-02-2012
0

Re: Discover 2% back september 1-4

I take what I can.  My AMEX BCE isn't here yet, so using this for groceries was good for me, even though it wasn't 3% like AMEX.  This card will prove useful next quarter however.  I can do some serious damage with the holdidays coming up.  I just wish someone else had gas in rotation for the 4th quarter.

My Wallet:
Discover It $14,300 | Chase Sapphire Preferred $7,500 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $3,000 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Discover 2% back september 1-4


Razeus wrote:

I take what I can.  My AMEX BCE isn't here yet, so using this for groceries was good for me, even though it wasn't 3% like AMEX.  This card will prove useful next quarter however.  I can do some serious damage with the holdidays coming up.  I just wish someone else had gas in rotation for the 4th quarter.


+1

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Senior Contributor
score_building
Posts: 3,559
Registered: ‎01-10-2008
0

Re: Discover 2% back september 1-4


youngmoneyok wrote:

Discover needs to step up with their promotions. Their merchant fees are higher than Visa/Mastercards, so I really don't know why their rewards suck. 2% is great, only if it is on everything, all the time. 


IIRC Schwab is dead not sure about Fidelity what other 2% cards are there?

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Valued Contributor
trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
0

Re: Discover 2% back september 1-4

[ Edited ]

youngmoneyok wrote:

Discover needs to step up with their promotions. Their merchant fees are higher than Visa/Mastercards, so I really don't know why their rewards suck. 2% is great, only if it is on everything, all the time. 


Not true. Discover interchange fee is mostly the same as Visa/MC. You might see merchant account (for small biz) to price Discover slightly higher. However on retail and acquiring bank (provider of merchant account) perspective, Discover charges just about the same as Visa/MC. In fact Visa/MC charge higher interchange fee for Signature/World.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
New Contributor
CardinalRules
Posts: 69
Registered: ‎06-27-2012
0

Re: Discover 2% back september 1-4


score_building wrote:

youngmoneyok wrote:

Discover needs to step up with their promotions. Their merchant fees are higher than Visa/Mastercards, so I really don't know why their rewards suck. 2% is great, only if it is on everything, all the time. 


IIRC Schwab is dead not sure about Fidelity what other 2% cards are there?


There's the Capital One Venture Card, but it has a $59 annual fee. Then there's the Priceline Rewards Visa, but it's a visa signature, so it's somewhat harder to qualify for.

AMEX SPG - $8k
Citi AA Visa - $6.5k
Walmart Discover - $5.5k
Citi Forward - $3.9k
Discover More - $2.5k
Wells Fargo Cash Back - $1.9k
Contributor
supersam101
Posts: 94
Registered: ‎06-16-2012
0

Re: Discover 2% back september 1-4

Bank of America cash rewards card has gas at 3% back every quarter. It's a nice card to have.
Discover IT Student $3k. Bankameri better balance $3k.
Chase freedom 2.5k
Established Contributor
JonStur
Posts: 905
Registered: ‎12-25-2010
0

Re: Discover 2% back september 1-4


score_building wrote:

JonStur wrote:

I was calling in for another issue and the csr signed me up Thursday, 2 days in advance..


Cool-Discover offers consistently strong cs, often willing to go above and beyond with small things to treat a card holder right IME.


And they're always so peppy and cheerful sounding, like a ray of sunshine on the other end if the phone..


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K

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