Archive for December, 2012

Discover to revamp their cards in 2013 with the Discover IT Card

Friday, December 21st, 2012

The Discover it Card is a “revolutionary” CashBack Bonus rewards card that will be available to both regular consumers and college students. There will be two Discover it™ Cards available to consumers and one for Students. As you can see below the main difference in the two customer cards is the purchase APR and the length of the introductory 0% APR offer from 14 to 18 months. We see no difference in the cash back or the annual fee remaining at zero. We see lots more flexibility compared to older versions or current Discover cards but still no mention of when you can redeem your cash back which is a major problem with Discover. They make you wait until you get to $50 in Cash before you can get a credit statement so we are hoping they change this also to compete with Chase Ultimate Rewards where you can redeem with any amount of points. The 1% cash back on all other purchases with an asterisk may be the only real change we see in this new card besides the IT name and perhaps the design. We will wait to see if they bring out something more “revolutionary” than these bullet points because this so far is nothing THAT or “IT” new.

he new Discover it card is out to change the way people think about credit cards.
Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
Generous…5% cash back at restaurants and movies right now through March on up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
Plus a Cashback ConcerigeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
Flexible…Choose your own due date and pay up to midnight ET online or by phone.
Human…talk to a real person any time with 100% U.S.-based service.
Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
0% Intro APR on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% – 20.99%. *Click apply for Terms & Conditions.
Introductory 0% APR Offer: 14 months on purchases and balance transfers
Regular Purchase APR: 10.99 – 20.99% (V)*
Ann (more…)

DoubleDip Kohl’s CashBack for Holiday Spending

Thursday, December 13th, 2012

Kohl’s this season has been one of my favorite places to shop thanks to some extremely hot cash back offers from Chase. We are also double dipping our rewards points with this retailer. Kohl’s is offering an extra 25% off when you spend $100 or more with code MOREGIFTS25 and free standard shipping for orders $50 or more. Make sure you pair this with 10X per dollar spending cash back via the Ultimate Rewards Mall and using your Chase Freedom Visa or MasterCard to complete the purchase gives you an additional 5X cash back. If you have a Kohl’s credit card don’t use it but instead use the Chase Freedom Card until the end of the year. Get it here if you do not have it yet.
(more…)

Free 500 AAdvantage Miles for a 1 min Facebook Survey

Tuesday, December 4th, 2012

American Airlines has one of my favorite miles programs out there so this is pretty exciting to get an easy 500 miles added to your account especially if you need some activity in the account. All you need to do is fill out a 1 or two minute easy survey on Facebook that awards 500 American Airlines AAdvantage miles. (more…)