Yes! Just Got My $1,100+ Discover it® Cashback Match™ (The Dublin)!

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Well, I woke up this morning to find a smooth $1,100+ in raw cash in my Discover It account. Talk about something nice to wake up to!

And just last week, I got a second Discover It card – so I can have another Dublin around this time next year!

Um, what’s The Dublin?

  • Link: Discover It (with $50 bonus after 1st purchase)

“The Dublin” is a derivative of “The Doubling,” countrified to match my sometimes-twangy Southern accent (though much worse for wear after a decade up North).

The term refers to Discover’s promotion to match all your cashback earned the first year with the Discover It card, including:

  • The 5% cashback categories (effectively making them 10% cashback)
  • 1% on regular purchases (meaning it’s a 2% cashback card the first year)
  • Shopping portal bonuses (routinely 10% to 20% back)
  • The $50 you get after making a purchase (so, $100 back in the end)

For 12 months, you get to watch your cashback accumulate. Then, after your 12th billing cycle, Discover matches it all in one lump sum – that matching is the event I call The Dublin.

And mine happened today!

discover it

Gee thanks, Discover!

Here are all the ways you can redeem the cash:

Cash sounds good

Cash sounds good

I redeemed it all for an electronic deposit in my bank account.

Yes!

Yes!

I’ll likely funnel all of this money directly into my student loans. I’ve also been thinking about getting a rowing machine lately (yay, fitness!). This bonus would more than cover it.

You can rinse and repeat

You can have 2 Discover cards at a time. I left my 1st card open and applied for a 2nd card – it arrived last week.

Today, after I deposited the match from the 1st card, I went ahead and set my 2nd card into motion in anticipation of another $1,000+ from Discover next year.

But remember, The Dublin is a match. 

So that means I’ve already earned $1,100 over the course of the past year. And today, got another $1,100. That means I was able to earn well over $2,000 in pure cash this year – which is an incredible return for a card with no annual fee that’s free to keep forever!

A great card for beginners AND old-timers

I’ve met some people who simply don’t trust how points work. The process of accumulating, and searching to redeem, is “too much of a hassle.”

(I, for the record, love searching airline sites and plucking out good deals. Is it time-consuming? Yes. But the ends more than justifies the means.)

But everyone understands cash in hand. Because Discover It gives you access to the fantastic Discover Deals shopping portal, it’s a great card to have to get in the habit of clicking through each time you shop online.

A great intro to rotating bonus categories

A great intro to rotating bonus categories

It’s also a great introduction to quarterly category bonuses (and bonus categories in general) – a feature of many other points and miles cards.

And, it’s pure fun to watch the cashback pile up.

Some people like to watch it build, like a savings account. But others, including yours truly, ferret it away as soon as it’s earned.

Either way, you still get the thrill of The Dublin after the 12th billing cycle.

And for peeps who are dyed-in-the-wool rewards card junkies, you can’t deny the incredible earning potential and the value of the (effectively) 10% cashback in the bonus categories.

Plus, it’s not a Chase, Citi, or Amex card, so your chances of approval are quite good.

I’ve written about how it’s easy to get at LEAST $600 back with this card. And, based on my own experience, much more!

Bottom line

  • Link: Discover It (with $50 bonus after 1st purchase)

I love the Discover It card. Between the bonus categories, excellent shopping portal, and tremendous ease of use, I was able to score well over $2,000 in cashback this past year. Not bad for a card that’s free to keep forever. Literally, free money.

This card is also a great option if:

  • You’re building your credit
  • You want or need a 0% APR intro period (it’s 12 months with this card)
  • You want to get into earning rewards
  • You want a new card in the mix that’s not Chase, Citi, or Amex

All the cash you earn will get matched after the 12th billing cycle. And, I must say, it feels pretty dang good when that moment happens (The Dublin).

So good, I got a second card to start all over with.

I’m curious – if you have this card, have you received your Dublin yet? How’d you make out?

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About Harlan

Just a dude living in Dallas.

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Editorial Note: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The opinions of the commenters are not necessarily the opinions of this site.

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Comments

    • Lol makes me so happy you adopted my particular vernacular. Nice haul! That Apple Pay promo was… yeah, really good. Here’s hoping for a similar promotion around the holidays this year (which will be here before you know it)!

  1. Were you going through portals to buy gift cards to go back through the same portal to use gift cards to earn higher percentages back?

    • Nah, I never did that, although I’ve heard others had success with it.

      I opened a couple new Airbnbs this year and they needed a LOT of home items so I went crazy with the department stores on the Discover Deals portal. And maxed out each category every quarter.

      I also used the card any time Discover Deals had a better payout (after doubling) than other portals… which happened a lot. It just kinda added up after a while.

      If you do decide to do the gift card idea, I’d start with a small purchase to see if it codes. Then go full hog. I believe Frequent Miler has written some posts on the topic, too, in his laboratory. Check it out: http://frequentmiler.boardingarea.com/laboratory/

      Hope that helps – and good to hear from you, hope you are well! 😉

  2. I’m waiting on my $500. All from 5% categories and Apple Pay 10%. I didn’t do gift cards, portals, etc. So I think getting $1,000 out of the spend on that card is amazing. It’s somewhere around a 15% cashback return on purchases. Best thing is that it is stuff I would have bought anyway.

  3. Mine showed up earlier this week, too! And thanks for posting about being able to get a second card–just applied for and got a second one this morning. 🙂

      • Yikes–didn’t recall seeing the last line in this part:

        Cashback MatchTM: After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you’ve earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You’ve earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers

        • Though on the phone, they say “it’s a new card, and you’re a new card member, so yes, it’s eligible [for the Dublin]”… Strange, but I’ll take it!

  4. I racked up over $2200 in cash back and was waiting for my $2200 match! Now they are refusing to pay saying that I was not eligible for the promotion since I was an existing cardholder. (I product converted over the the IT card and was told at the time I was eligible). They are liars!

    • Did you register for the promotion? It seems like there’s a communication breakdown here. I’d elevate to someone higher up. Keep us posted if you get it!

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