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Regular Contributor
pt2005
Posts: 129
Registered: ‎10-12-2012
0

Discover 5% Jan-March 2013

I just signed up for it: Restaurant and Movies.

 

I love them both. And I have Chase Freedom too. So Gas on Freedom, and dining on More :smileytongue:

 

https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.html

FICO Scores: EX 744 (Quizzle), myFICO EQ 675, myFICO TU 708
Credit Cards: Chase Freedom 7k | Cap1 Spark Cash 5.5k | AMEX TrueEarnings 4.5k | Cap1 Cash Visa 3.5k | Cap1 Cash MC 3.5k | AMEX SimplyCash 3K | Discover IT1k
Store: PayPal SmartConnect 5k | JCP 4.2k | Banana 3k | Walmart 2.2K | Kohls 1500 | TargetRED 300
Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011
0

Re: Discover 5% Jan-March 2013

[ Edited ]

Nice!   With the Freedom for gas and this for dining I just need to figure out what to switch my Cash+ to. lol

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Frequent Contributor
wallyworld123
Posts: 455
Registered: ‎01-04-2012
0

Re: Discover 5% Jan-March 2013


pt2005 wrote:

I just signed up for it: Restaurant and Movies.

 

I love them both. And I have Chase Freedom too. So Gas on Freedom, and dining on More :smileytongue:

 

https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.html


that makes 2 of us!:smileyhappy:

Valued Contributor
crunching_numbers
Posts: 1,093
Registered: ‎02-15-2012
0

Re: Discover 5% Jan-March 2013

:smileysad:

Based on the graphics, it looks like gas will be 3Q. This overlaps with Freedom. 


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Regular Contributor
GoldenloveNY
Posts: 243
Registered: ‎02-29-2012
0

Re: Discover 5% Jan-March 2013

Awesome. Just signed up too. Are Starbucks and Dunkin Donuts consider "restaurants "? It mentions something about cafes in the program details....
Zync from American Express- NPSL
Amex BCE- $1,000
Discover IT- $1,500
Bank of America 1-2-3 Rewards-$1,000
Chase Freedom- $500
Capital One- $500
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Discover 5% Jan-March 2013

Discover basically becomes a Citi Forward card :smileyvery-happy:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Frequent Contributor
sakhalin070
Posts: 292
Registered: ‎08-28-2012
0

Re: Discover 5% Jan-March 2013

I have a Citi Forward.  Would it be better to use Discover for restaurants and movies during that quarter?  5% cashback is worth more than 5x TY points, right?

AMEX BCE, Discover IT, Citi Forward, BoA Travel Rewards

FICO: TU 781 EX 776 Last App: November 2012
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Discover 5% Jan-March 2013

[ Edited ]

sakhalin070 wrote:

I have a Citi Forward.  Would it be better to use Discover for restaurants and movies during that quarter?  5% cashback is worth more than 5x TY points, right?


depending on how you use it, or what Citi products you have. If you can redeem 1/1 ratio for gift cards your going to use it won't make a much of a difference, but if your using it for cash back etc go with Discover. Technically Cash back is better because say you spent $1,500 (quartly max) and got $75 cash back, if you spend that $75 you could get more cash back on that, but the numbers are so minimal it'd be crazy to use it for that unless your running serious money through the accounts but Discover in this case only has a $1,500 quarterly cap, so most you'll make off that is less than $4.

 

 5% of 5% at best isn't much.  5% of 1500 (cap) = $75,  5% of 75 is $3.75

 

 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
0

Re: Discover 5% Jan-March 2013

These bonuses are much more disppointing than Chase's in my opinion.  I don't think there is any quarter that would even give me a chance to hit $1,500 in spending - except maybe if I bought big purchases during the fourth quarter.

 

Maybe I will hold off on Discover...


In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Valued Contributor
kevinjjc
Posts: 1,317
Registered: ‎01-14-2009
0

Re: Discover 5% Jan-March 2013


SnackTrader wrote:

These bonuses are much more disppointing than Chase's in my opinion.  I don't think there is any quarter that would even give me a chance to hit $1,500 in spending - except maybe if I bought big purchases during the fourth quarter.

 

Maybe I will hold off on Discover...


Discover's online shopping portal to get cashback, ShopDiscover, definitely makes it worth having a Discover card. They consistently offer the highest cashback rate.


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