Award System

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Bank

Discover

Bank Details »

Reconsideration Phone
800.290.9885

Breaking Points

March 6, 2023
JetBlue Plus
Mini Points - March 2023

- JetBlue Plus Card - Limited time offer - Barclay Bank - earn 60,000 points after spending $1000 in 3 months, $99/annual fee.

- Venture One Card - Limited time offer - Capital One Bank - earn 40,000 miles after spending $1000 in 3 months, $0/annual fee.

- Alaska Airlines Business Card - Limited time offer - Bank of America - earn 70,000 miles after spending $4000 in 3 months, $70/annual fee.

- Marriott Bonvoy Business Card - Limited time offer - American Express - earn 125,000 points after spending $5000 in 3 months, $125/annual fee.

- Chase Freedom / Chase Freedom Flex cardholders Q2 2023 - Activation is now open - Amazon & Lowes.

- Discover It - cash back Categories are Live - April - June Restaurants & Wholesale Clubs.

December 15, 2022
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Mini Points - December 2022

- Activation is now open for Chase Freedom & Chase Freedom Flex Cardholders, for Q1 running 1/01/2023 - 3/31/2023.

- Discover has released it's Cash Back calendar for quarterly categories.

- Southwest is offering an extension for expiring Companion Passes or refund flights that experienced disrupted holiday travel from 12/24/22 - 1/2/23.


March 8, 2022
American Airlines Miles
Mini Points - March 2022

- AAdvantage loyalty program is getting a face-lift.

- Barclay is bringing back it's AAdvantage Aviator Business Mastercard. Get this great sign up offer now, 70,000 miles after spending only $1000.

- Chase Freedom Cards Q2 5% categories now open (Amazon.com & streaming services),activate here.

- Keep up with Discover it Cash back 5% quarterly calendar, changing to second quarter starting April 1, 2022.

September 16, 2021
Discover It Cash Back
Mini Points - October 2021

- Discover It 5% Cash Back starting October 1st for Amazon.com, Walmart.com & Target.com, activate offer now.

- Hilton Honors is extending Elite Perks for another year.

Bonus Points Minimum Spend Point Value Annual Value Annual Fee 1st Year Value
1 $1 1.0 ¢ $0 $0 $0
Best Value Differentiating Perks Rules
Cash Back, Gift Cards Discover will match all cash back at the year end, making rotating categories 10% for the first year No 5/24
Card Type: Personal, Cash

Spend Categories

All Other = »

2X points
2¢ Per Dollar Spent

Department Stores = »

5X points
5¢ Per Dollar Spent

Card Benefits

No Foreign Transaction Fees »
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.

Point Transfer Options

Transfer To Spouse/Partner Yes

Transfer To Friends Yes

Travel Partner Transfers

Outside Point System Cash in Cents

Transfers In From
Point Transfer Options
Amex Member Rewards

1:1 71% value retained

Point Transfer Options
Barclay Miles

1:1 100% value retained

Point Transfer Options
Capital One Miles

1:1 91% value retained

Point Transfer Options
Chase Ultimate Rewards

1:1 63% value retained

Point Transfer Options
US Bank Flex Perks

1:1 83% value retained

Point Transfer Options
Wells Fargo Go Far Rewards

1:1 67% value retained

Why You Might Want This Card

Seeing Double

Discover has given us something extremely valuable through this particular card: Double your money. Discover will match everything you earn in the first 12 billing periods of opening your account -- with no limit. That means if you keep an eye on your quarterly rotating categories to earn 5x cash back, you have huge potential here. Let’s talk about the 5% earning categories, which are announced annually, usually around November for the following year. Sure, these categories are preselected for you, but they make a lot of sense. Things like groceries, restaurants, gas and Amazon. Between the earning categories and the $0 annual fee, this a unique card to keep around even if you're working on a minimum spend on another card. Cash redemption has no minimum amount if you're crediting the cash back to your account, doing an electronic deposit into a designated account, or utilizing your cash-back bonus at select merchants. If you redeem for a gift card or eCertificate, the redemption has to be in $20 increments. There is also a nice perk of 0% APR for the first 14 months on not just balance transfers but also on purchases. There's also the $0 annual fee and no foreign transaction fees.

Bottom Line

The spending multipliers can draw some interest. But Discover got rid of many perks like rental insurance, travel insurance, extended warranties and the like. This may not matter to someone getting a cash back card because you could get those perks with most of your other travel cards. And there's zero sign-up bonus. The bright spot is this is a pretty easy card to get for college students who are trying to build credit -- while also getting some cash-back perks.

Application Rules

Card approval not subject to 5-personal-cards-in-24-months rule

What to Know Before Canceling

You receive your "Double" cash back in your 13th or 14th statement. Be sure this is received and used before cancelling.

Breaking Points

March 6, 2023
JetBlue Plus
Mini Points - March 2023

- JetBlue Plus Card - Limited time offer - Barclay Bank - earn 60,000 points after spending $1000 in 3 months, $99/annual fee.

- Venture One Card - Limited time offer - Capital One Bank - earn 40,000 miles after spending $1000 in 3 months, $0/annual fee.

- Alaska Airlines Business Card - Limited time offer - Bank of America - earn 70,000 miles after spending $4000 in 3 months, $70/annual fee.

- Marriott Bonvoy Business Card - Limited time offer - American Express - earn 125,000 points after spending $5000 in 3 months, $125/annual fee.

- Chase Freedom / Chase Freedom Flex cardholders Q2 2023 - Activation is now open - Amazon & Lowes.

- Discover It - cash back Categories are Live - April - June Restaurants & Wholesale Clubs.

December 15, 2022
spend-All Othernocircle-icon" alt="All Other"/>
Mini Points - December 2022

- Activation is now open for Chase Freedom & Chase Freedom Flex Cardholders, for Q1 running 1/01/2023 - 3/31/2023.

- Discover has released it's Cash Back calendar for quarterly categories.

- Southwest is offering an extension for expiring Companion Passes or refund flights that experienced disrupted holiday travel from 12/24/22 - 1/2/23.


March 8, 2022
American Airlines Miles
Mini Points - March 2022

- AAdvantage loyalty program is getting a face-lift.

- Barclay is bringing back it's AAdvantage Aviator Business Mastercard. Get this great sign up offer now, 70,000 miles after spending only $1000.

- Chase Freedom Cards Q2 5% categories now open (Amazon.com & streaming services),activate here.

- Keep up with Discover it Cash back 5% quarterly calendar, changing to second quarter starting April 1, 2022.

September 16, 2021
Discover It Cash Back
Mini Points - October 2021

- Discover It 5% Cash Back starting October 1st for Amazon.com, Walmart.com & Target.com, activate offer now.

- Hilton Honors is extending Elite Perks for another year.

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