Discover April-June 5% back on home improvement

[JonStur]

I've been wondering about gift cards also...

[bs6054]

Many people here have bought gift cards. Before the BCP got capped (and this might be why it was capped), lots of us would buy a whole range of gift cards at large supermarkets, and get 6% back. And if you read other threads, people are doing this all the time when drug stores give 5% off on various card, cash plus categories etc

The exception seems to be things like vanilla reloads (which are more like cash than a gift card) and many stores now won't allow credit purchases of those

[Open123]

---

@bs6054 wrote:
Many people here have bought gift cards. Before the BCP got capped (and this might be why it was capped), lots of us would buy a whole range of gift cards at large supermarkets, and get 6% back. And if you read other threads, people are doing this all the time when drug stores give 5% off on various card, cash plus categories etc

The exception seems to be things like vanilla reloads (which are more like cash than a gift card) and many stores now won't allow credit purchases of those

---

Right, pick up a $500 Visa/MC gift card from a Supermarket for $5, and receive 6% cashback on the BCP.  Use the Gift card are dubious wherever you'd prefer to appear on your Amex, Chase, or whatever card for whatever reason.

[webhopper]

For me, this will be huge.. I will be spending 1500 on home improvement in the quarter...

Wheeee~!  My husband better get ready for some painting!

[FutureBillionaire]

---

@webhopper wrote:

For me, this will be huge.. I will be spending 1500 on home improvement in the quarter...

Wheeee~!  My husband better get ready for some painting!

---

That sounds terrible.

[NJTurnpike]

Not sure if churning with gift cards is worse than forcing your DH to paint.

[webhopper]

---

@bs6054 wrote:

I just don't get the love for rotating quarter cards.  Well, I understand that the cards can be good in themselves, but you are always at the mercy of whatever the issuer decides. 

I can see that sometimes it could be good, you suddenly get a discount on category X which no other card gives, but I suspect much more usual is the "boring quarter" complaint.  Some things have flexibility (I will wait to buy my XXX until one of my cards has that as a category) but other things you need now.

So, I much prefer the constant (till nerfed) categories of things like Citi Forward, Penfed, Amex BCP/E and, a little, Cash +.  But I guess that is a minority view

---

I don't like rotating quarters, but I've had the Discover so long that I'm not going to get rid of it...  I've had it since the days when it was just a straight rewards cashback %

Thats why I decided to go with Chase Amazon instead of Freedom.  Amazon card gives 3% at Amazon,  2% at drugstores, gas, and restaurants.  1% on everything else.

There is no cap on the rewards either.