What is the Disco It draw?

[Anonymous]

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@Anonymous wrote:
I think the $1500 max is a downer. Higher limit would be awesome.

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If you are willing to spend a lot, the IT Miles might be better.   That's an uncapped 3% on everything in the first year (but on the flip side, no 5/10% categories)

[Anonymous]

Currently my spend is groceries ($1000+ month), gas and costco (mostly grocery that Publix doesn't get. I go in spurts between the two, lol). Amex is who is was thinking with $6000 cap. It would be awesome if disco put it up there to.

[Anonymous]

Amex's $6000 cap is per year = $1500 per quarter.

[Poppa]

There's also Discover Deals. A shopping portal with great deals. Ongoing cashback offers from lots of retailers. No caps on those as far as I know. I have been using the 5% cashback on Walmart. That should be 10% on all online purchases first year without cap. Again I could be wrong but that's what it looks like to me.

[sarge12]

I like the Discover It card fine...unfortunately Discover It does not like me enough to extend a 10k CL to me like all my other cards. I only use it for 5% catagories.

[Anonymous]

Solid point oldman87.

[UpperNwGuy]

OP, you need to spend some time studying credit card rewards and get some perspective.  The Discover IT first year offer ($600 cash back on $6000 of spending) that you call a "downer" is one of the best offers in the industry.

[Anonymous]

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@UpperNwGuy wrote:

OP, you need to spend some time studying credit card rewards and get some perspective.  The Discover IT first year offer ($600 cash back on $6000 of spending) that you call a "downer" is one of the best offers in the industry.

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Good point. Will add that the US Bank Cash+ also has categories and they are capped per quarter at $2000. Seems the OP needs to look at the credit card landscape.

[Anonymous]

Paging @themanwhocan (link in sig)

Hard to find another cc that can function as a cu card (5.99pct no fee for 18 mos BT) but generous limits and recurrent promo like 2nd yr 0pct apr or 2nd yr double cash back!

[Anonymous]

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@Anonymous wrote:

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@UpperNwGuy wrote:

OP, you need to spend some time studying credit card rewards and get some perspective.  The Discover IT first year offer ($600 cash back on $6000 of spending) that you call a "downer" is one of the best offers in the industry.

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Good point. Will add that the US Bank Cash+ also has categories and they are capped per quarter at $2000. Seems the OP needs to look at he credit card landscape.

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Yes, but there also differences.   Cash+ allows you to stick with categories.   With Discover (and Freedom etc) the issuer gets to choose the categories, so maxing out the $6000 can be hard.  (As can finding good Cash+ categories!).   And still a few uncapped ones, such as Chase Amazon: uncapped 5%.