cancel
Showing results for 
Search instead for 
Did you mean: 

Discover 5% Jan-March 2013

Regular Contributor

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 Smiley Tongue

 

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

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Message 1 of 24
23 REPLIES
Established Contributor

Re: Discover 5% Jan-March 2013

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
Message 2 of 24
Frequent Contributor

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 Smiley Tongue

 

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


that makes 2 of us!Smiley Happy

Message 3 of 24
Valued Contributor

Re: Discover 5% Jan-March 2013

Smiley Sad

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: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 4 of 24
Regular Contributor

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
Message 5 of 24
Established Contributor

Re: Discover 5% Jan-March 2013

Discover basically becomes a Citi Forward card Smiley Very Happy


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 6 of 24
Frequent Contributor

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, Barclaycard Cash Forward
Message 7 of 24
Established Contributor

Re: Discover 5% Jan-March 2013


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
Message 8 of 24
Valued Contributor

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) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 9 of 24
Valued Contributor

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.

Message 10 of 24