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Discover - why should this make my list?

Valued Contributor

Re: Discover - why should this make my list?


ryanbush wrote:

another plus for discover is you can use your cashback for gift cards worth more than the actual cash back... for example they have 50.00 Buffalo Wild Wings gift cards for 40.00 cash back


Other malls also do this, so BoA has for example, $25 Land's End card for 2,000 points (whereas others are $25 for 2,500).  However, Perk Central and Barclays don't seem to have this type of thing, at least not today,

Message 31 of 54
Frequent Contributor

Re: Discover - why should this make my list?

Reasons why you should get a Discover

 

1.) Customer service is very good or even better then most lenders.

2.) shopdiscover

3.) 5 % categories rotating throughout the year

4.) Accepted in many places. 

5.) As long as your credit is decent, it should not be difficult to get there cards, 

6.) More/ IT are really their best cards. All the other ones are okay or meh. 

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 32 of 54
Valued Contributor

Re: Discover - why should this make my list?


bluesnowman wrote:

Reasons why you should get a Discover

 

1.) Customer service is very good or even better then most lenders.

2.) shopdiscover

3.) 5 % categories rotating throughout the year

4.) Accepted in many places. 

5.) As long as your credit is decent, it should not be difficult to get there cards, 

6.) More/ IT are really their best cards. All the other ones are okay or meh. 


Well, 4) isn't a very strong reason!  Compared to what?  3) is a plus for some, a - for others.

Message 33 of 54
Frequent Contributor

Re: Discover - why should this make my list?

Maybe, but in my area, most places take Discover (where I work currently, we take Discover as well.) That's what I was basing it off of. 3 is easily bested by the Freedom (but since I don't have the Freedom, or at least not yet, I'll stick to the more for now.) And yeah it can go either way for the categories each card offers. 

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 34 of 54
Valued Contributor

Re: Discover - why should this make my list?

 

Oh, I agree it is widely accepted, just that Visa and MC are more so.

Message 35 of 54
Valued Contributor

Re: Discover - why should this make my list?


bs6054 wrote:

ryanbush wrote:

another plus for discover is you can use your cashback for gift cards worth more than the actual cash back... for example they have 50.00 Buffalo Wild Wings gift cards for 40.00 cash back


Other malls also do this, so BoA has for example, $25 Land's End card for 2,000 points (whereas others are $25 for 2,500).  However, Perk Central and Barclays don't seem to have this type of thing, at least not today,


I really wish perk central did this, my Cap1 is 2% bank on Gas and Grocerys ( read walmart) this is a good majority of my spending

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 36 of 54
Highlighted
Frequent Contributor

Re: Discover - why should this make my list?

Shop Discover. That's the extra $100-$200 / month right there.

What's in your wallet?
-Not Capital One.
Message 37 of 54
Valued Contributor

Re: Discover - why should this make my list?


Duncanrr wrote:

I'm done with any kind of credit card apps and CLI requests until June 2013.  The only cards I have that could get a CLI would be my Freedom and Chase Amazon but since they are HP's and since I want to save room in Chase's internal limit for my CSP card (which I will hopefully get in June Smiley Happy ) I'm stuck having to plan my next app spree.

 

One of the cards that Ive not really considered is a Discover card.  But I'm open to opinions on it.  Why should I get a Discover card?  What do people that have them like about the card and what do you typically use it for? (Daily use, online, etc.)  My current targets in June are SPG, CSP, BCP, Citi Forward and maybe Flex Perk, new charge card and maybe another NFCU product.

 

So why should I get a Discover card?


So OP, Duncanrr, are you now convinced that you should get a Discover card? Smiley Tongue

Message 38 of 54
Valued Contributor

Re: Discover - why should this make my list?

Almost. Maybe I should drapp for it?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 39 of 54
Valued Contributor

Re: Discover - why should this make my list?


Duncanrr wrote:
Almost. Maybe I should drapp for it?

oh no duncarnnnnnnnn


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 40 of 54