What am I going to do :(

[longtimelurker]

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@Anonymous wrote:
I am confused in comparing miles to straight cash back programs. if you want miles look for a program that offers good miles incentives. If you want maximum cash back, different ones for different spend profiles. Example Rotators don't bother me.

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There is NOTHING miles about the Discover IT Miles, it is a straight cashback card, where you can redeem10K miles as a $100 credit for travel redemption OR redeem it as $100 cash into a bank account of your choice (i.e. unlike Arival or Venture, there is not even a pretence of a better rate for travel redemption).   It's a 1.5% cashback card doubled to 3% for one year.

So, for a year, a great choice for non-category cashback

[barthooper]

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@longtimelurker wrote:

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@Anonymous wrote:
I am confused in comparing miles to straight cash back programs. if you want miles look for a program that offers good miles incentives. If you want maximum cash back, different ones for different spend profiles. Example Rotators don't bother me.

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There is NOTHING miles about the Discover IT Miles, it is a straight cashback card, where you can redeem10K miles as a $100 credit for travel redemption OR redeem it as $100 cash into a bank account of your choice (i.e. unlike Arival or Venture, there is not even a pretence of a better rate for travel redemption).   It's a 1.5% cashback card doubled to 3% for one year.

So, for a year, a great choice for non-category cashback

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Interesting. I always thought it was like Venture, which I also thought until now needed to be redeemed for travel.

[longtimelurker]

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@barthooper wrote:

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@longtimelurker wrote:

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@Anonymous wrote:
I am confused in comparing miles to straight cash back programs. if you want miles look for a program that offers good miles incentives. If you want maximum cash back, different ones for different spend profiles. Example Rotators don't bother me.

---

There is NOTHING miles about the Discover IT Miles, it is a straight cashback card, where you can redeem10K miles as a $100 credit for travel redemption OR redeem it as $100 cash into a bank account of your choice (i.e. unlike Arival or Venture, there is not even a pretence of a better rate for travel redemption).   It's a 1.5% cashback card doubled to 3% for one year.

So, for a year, a great choice for non-category cashback

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Interesting. I always thought it was like Venture, which I also thought until now needed to be redeemed for travel.

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An easy mistake to make as the way it works makes very little sense.   They go into detail about what constitutes travel, restricting what you can redeem against, while allowing full cashback for anything.   My guess is that they must have intended it to be like Venture at some point (getting into the "travel" space) but somehow decided not to offer a lower reward rate on non-travel.   Which is great for us....