It is a common practice for some credit card companies to offer a cash back reward credit card. These cash back cards usually have a specific expiration date (usually around 2 years after the date of this offer). But what if you are planning to get a new card? Does your current card offer any form of cash back? If so, what are the benefits of getting a cash back credit card?
The Discover It Cash Back program from Discover cardholders has a few different features that cardholders can enjoy. With the Discover It Cash Back card, cardholders can earn five percent cash back on rotating categories you have to activate every quarter (up to a maximum of $1,500 per quarter). Also in 2021, the eligible categories will be as follows: Discover It 2021 5% Cash Bonus Calendar. In addition, cardholders will also enjoy double cash back when they make purchases at gas stations, groceries, drugstores, home improvement stores, home appliance stores, and when using their car as well.
There is one big catch though – this deal only works if you use the Discover It card for purchases made at the participating retailers mentioned in your offer. That means if you do not use these cards at any of these participating retailers, then you are not qualified for any of the Discover It Ultimate Rewards Card's benefits. However, there are a couple of rotating bonus categories you can receive when using the Discover It card. Some of these categories include: Freedom Flex, Gold Card, Silver Cash & Savings, and Platinum Cash & Savings. So you are basically getting two rotating bonus categories if you don't use this card for purchases.
The Discover It Ultimate Rewards Card has various options to choose from as well. For example, you have the choice between getting cash backs on balance transfers, cash advances on purchases, and gas rebates, among others. This card comes with an annual fee, but it is a very affordable one at just a $75 annual fee. You also get free protection from fraud, so you have that covered as well.
As mentioned above, this is a great card if you plan on using it for purchases as mentioned above. But what about those who want to earn some extra cash through the Discover It program? The welcome bonus is one way that some users of the Discover It program earn money. In fact, some people earn up to five percent cash back on purchases made at the participating merchants.
If you plan on using the card to earn rewards, there are a couple of things you need to keep in mind. First, you must always keep your spending on your card under control. Second, you must make sure to always use your account on a regular basis. If you have been using your card for several months, then it is probably time for you to move to a rotating bonus categories. In this way, you will earn more cash back over time.
In order to earn rewards, you must always pay off your balance every month on your Discover It accounts. This will earn you extra points toward your cash balance and will earn you cash back on your purchases as well. So, keep your purchases to a minimum and pay off your balance in full each month. If you are a frequent user of your card, then you should also be able to earn incentives through the Discover It program. Some of . . . . . . these incentives include:
You can find out more about the rewards offered through Discover It by visiting their website. Here you will find a great section that gives you information about the different ways you can earn money from your account. You will learn that when you use your card to make purchases at certain retailers, you can earn up to two percent cash back. Some of the retailers listed are: Bed Bath & Beyond, Pier 1 Imports, Office Max, Best Buy, Target, Wal-Mart, JCPenney, and More. These retailers offer frequent purchases which will earn you the maximum rewards.
There are also a couple of rotating cardholders bonuses included with Discover It. These bonuses include: The Friends Rewards Program, Platinum Bonus Week, and Enter the Cash Club. Each of these bonuses will increase your earning potential and should definitely be taken advantage of.
If you are someone who makes your purchases online, you should definitely consider making your purchases through the Discover It program. With the rotating bonus categories, you can receive free reward points for every dollar you make in eligible category purchases. This means you will receive four (4) reward points for every dollar you make in eligible categories, instead of only one (1) point for each purchase.
Finally, when you sign-up bonus is triggered, you will automatically be enrolled in the program. This will entitle you to three (3) free gift cards per year. This means you could get yourself a Sony Play station, Nintendo Wii, Zune, or Xbox for free. After all, what good will an automatic sign up bonus do you if you don't actually make any purchases? So be sure to take full advantage of the first year of unlimited freebies.
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