Strongly considering closing out my Discover

[Blackbeauty212]

Not going to use it, Close It! Just be cognizant youre not going to kill your UTL. 

[Anonymous]

Of course not, the card has a relatively small 2.5K limit so I won't even feel it. And the high APR isn't helping either

[Anonymous]

My post was also in part to get some insight into how other people who love travel/points use their card

[Anonymous]

I love my Discover card. It is one of my daily drivers and I have some outstanding cards that work for me. That being said, if you don't use it, lose it. That is what I would do. Why keep a card you don't value? 

I am currently evaluating my cards and will likely close a couple also.

[Anonymous]

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@Anonymous wrote:
Discover is probably the least accepted card overseas and here in America. I wouldn't feel comfortable having that as my 'main' card either.

If you don't need it, close it. Trim the fat.

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American Express is the least accepted card in America. 

[longtimelurker]

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@Anonymous wrote:
My post was also in part to get some insight into how other people who love travel/points use their card

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Of course, there are a variety of approaches including:

1) Use points earning cards for everything.    I think this is quite common, especially those always going for "aspirational" awards.   If I need miles for that first class flight to the far east, getting 5% cashback on a category purchase (especially when I might get 2x miles anyway) isn't of interest

2) Maximize rewards on a per transaction basis:  depending on mile valuation, I might use a cashback card for a particular transaction because it earns more

3) [Ignore if it offends...]  For miles earning  MS, some people use cashback cards to offset some of the costs (so I buy 4 cards with a UR earning card, and one with a cashback card say).  Don't find this compelling myself, but that's what some do...

[redpat]

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@Anonymous wrote:
My post was also in part to get some insight into how other people who love travel/points use their card

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I found MR and UR points, Amex plat and Prestige are the best for me after a lot of research and the way I like to travel.

You have to research yourself on which travel cards and benefits fit you best.  We all travel in different ways, it's not a one fits all segment.

There's a wealth of info on travel cards and card benefits so have fun looking at all the options.

[Anonymous]

Oh yes of course, I've done much research on which cards and which programs and transfer partners would work for me and I've found a strategy that works for me and my needs (UR with a dash of MR).

It's nice to pick people's brains to see how/why they use the ones they do

[redpat]

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@Anonymous wrote:

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@Anonymous wrote:
Discover is probably the least accepted card overseas and here in America. I wouldn't feel comfortable having that as my 'main' card either.

If you don't need it, close it. Trim the fat.

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American Express is the least accepted card in America. 

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Lol, I think I have been to one place in six months that hasn't taken amex, the same might be said for discover as well.

[austinguy907]

There's such a misconception about who accepts what and it comes down to who has the most advertising money out there to influence the sheep.  I haven't see anywhere that doesn't accept either or both in the past year where you would physically swipe the card.  I do have an oddball electric provider that won't take amex but does take discover online.