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DENIED! No 3rd Discover It Card for Me 😿

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Right after I got a 2nd Chase British Airways card, I trotted over to the Discover website hoping to pick up a 3rd Discover It card.

Last week, I had 2 Discover It cards. So I closed Discover It #1. With Discover It #2, I’m expecting a sweet $800+ cashback match next month:

discover it 3rd year

#ReadyForIt

Last year, I got back $1,100 in cashback match. So Discover has been generous to me, doubtlessly.

But, you can only have 2 Discover cards at once, so if I wanted #3, that meant #1 had to go.

I checked to make sure over a year had passed since I opened #2.

Good to go?

I waited until September 8th passed, and then a few extra days to be on the safe side. Then, with zeal in my little eye, I prepared my grubby mitts for a new Discover It – and a new year of that sweet cashback match.

PWND! No Discover It for you!

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Taking Stock: The 29 Credit Cards I Currently Have – and Why

Time for a credit card inventory. Over the years, my collection of credit cards has grown. I now have 29 credit cards to my name.

(I did have 30, but closed my Citi ThankYou Premier last week. Because the Chase Sapphire Reserve is better for the same 3X categories. And Citi is changing the Prestige and AT&T Access More cards next month – which is causing me to significantly rethink my relationship with them.)

Ah, but a small sample of the 29 cards I currently hold

And, I’m paying annual fees on many of my cards. So I thought I’d put the complete list together to take stock of what I have – and what I’m getting in return. I’ll write a little snippet for each card, but will try to keep it brief. 29 cards is a lot!

Let’s jump right in.

Amex

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Don’t Miss Out: Free Museums, One Month for 5X, Hilton Surpass 100K

Happy Wednesday!

Here are some deals still on the go – snag ’em while you can!

Through May 31st (today!)

Hilton Surpass Amex 100K offer

Last call to earn 100,000 Hilton points with the Amex Hilton Surpass. Here’s why I took the bait with this truly best-ever offer. Not into Hilton points? Think again. I estimate this bonus is worth at least $1,000 if you plan carefully.

June 3rd and 4th

Free museums

Free museums if you have a Bank of America debit or credit card. Only good for the cardholder and doesn’t include special exhibits. That said, there’s a participating museum in nearly every state, so check it out if you want some free culture this weekend.

limited time deals

Check out the Denver Zoo this weekend for F-R-E-E

Through June 30th

Get your 5X!

If you have Chase Freedom, get 5X Chase Ultimate Rewards points and drugstores and supermarkets on up to $1,500 in spend. Can activate retroactively and still get bonus points. Easy categories here.

Activate your 5X – you have a month to max it out

With Discover It, get 5% back at home improvement stores and wholesale clubs on up to $1,500 in spend. Must activate BEFORE you shop. New cardmembers get their cashback matched after the 12th billing cycle, so it’s like getting 10% back. Discover is not accepted at Costco, but you can purchase cash cards online and use them in-store for a nice discount. Boom.

The Boxed deal is back

The Boxed deal might be in your Amex account

I wrote about how to save 50% on merchandise at Boxed with an Amex Offer. Instead of $15 back on $50+, it’s now $25 back on $65+. Still a dang good deal. Even better, you can tweet #AmexBoxed to add it to your synced card even if you weren’t targeted.

2X SPG points

Doctor of Credit has the details. You get 10,000 bonus SPG points for spending $10,000 on your Starwood business Amex through the end of June. So, 20,000 SPG points on $10,000 in spend = 2 SPG points per $1 spent. Great deal if you’re targeted – worth checking.

Bottom line

Get ’em while they’re around. Any other good ones to share? Let me know and I’ll add ’em!

Coming Soon: The Doubling (of Discover Cash Rewards Earned This Year)

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Or, “The Month Discover Pays My Mortgage

Or, “The Dublin

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

An event so anticipated. It only happens once per year. The month Discover is nice enough to pay my mortgage – THE DUBLIN.

Not this Dublin - but close!

Not this Dublin – but close!

If you don’t have a no annual fee card, or if you staunchly refuse to pay an annual fee on a card for whatever reason, you definitely have a lot of options.

Without making an exhaustive list, I can think of the Citi Hilton Visa, Chase Freedom, Citi Costco, Amex EveryDay, and the Chase Ink Cash and Amex SimplyCash Plus for small businesses.

And, if you want a cashback card with no annual fee, the best ones are:

  • Discover It (5% bonus categories and 1% cash back on other purchases, doubled after the 12th billing cycle for new cardmembers)
  • Discover It Miles (1.5% cashback on all purchases, ditto for the double cash back)
  • Fidelity Visa (straight 2% cashback, but you have to have a Fidelity account – all free to have and open)
  • Citi Double Cash (2% cashback, but you earn 1% when you make a purchase and 1% when you pay it off)

I tend to like bonus categories because I make the most of ’em, but you might prefer straight cashback with no categories to think about.

You can find all the cards that aren’t linked above by clicking through here.

History of The Dublin

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Should You Use a 0% APR Card to Pay Off Debt?

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NOTE: The card APRs in this post are current at the time of writing (July 28th, 2016). Be sure to check the offers for more details.

So here’s an idea I’ve been tossing around.

It absolutely burns me up that I’m still dealing with student loan debt. And it should. Mr. Money Mustache said it best:

YOUR DEBT IS NOT SOMETHING YOU “WORK ON”. IT IS A HUGE, FLAMING EMERGENCY!!!

I’ve put off paying down this debt because there have been other opportunities to earn more: I bought a house, maxed out my IRA, started Airbnbs, and now I’m looking at buying a duplex in the DFW area.

All of these things either appreciate or earn more than the interest I pay on my student loans.

But I’ll be damned if carrying that balance doesn’t give me a red rump.

The idea

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3 Days Left to Save Money on Christmas Gifts With Amazon Prime!

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There’s a lot going on with Amazon right now in terms of deals:

  • 10X Chase Ultimate Rewards points (10% cashback with Chase Freedom, if you activated the offer in time)
  • 10% cashback with Discover It (5% back now and 5% back after 12th billing cycle for new cardmembers)
  • Amazon’s own deals – which are fantastic

The chance to get 10X Chase Ultimate Rewards points (which turn into 10X United Airlines miles, 10X Hyatt points, 10X Southwest points, etc. when paired with the Chase Sapphire Preferred or Chase Ink Plus) is too good to pass up. It’s a big reason why the AMEX Jet.com offer is on hold for me.

adas

3 days left for Prime 2-day shipping

If you’ve put off last-minute gifts, this is a *perfect* weekend before Xmas to knock out last-minute shopping with Amazon Prime membership (you could even buy it today and start using it right away if you really wanted to!).

Tons of good deals

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A Step Beyond Foreign Transaction Fees: Bank Exchange Rates Affect How Much You Pay Abroad

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The other day, when I wrote about my experience booking a hotel room in Martinique, I pulled up the Mercez app to see what exchange rate I’d get on $1,118 Euros with the Citi Prestige card.

Lots of cards advertise “no foreign transaction fees” which means they don’t add extra fees to the amount they convert.

Mercez tells you the real rate for each of your cards

Mercez tells you the real rate for each of your cards

But what’s interesting is not all banks convert cash at the same rate.

The amounts can add up, especially if you spend a lot (or live) abroad.

Rates according to Mercez

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The 2 Best No Annual Fee Cashback Cards: Fidelity AMEX and Discover It

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Or, you’re crazy not to get these 2 cards. They’re free money!

I’m reviewing my cards because it’s getting to the end of the year and doing a little maintenance on what needs to get dumped or renewed.

On the dump list is:

I need to clear out some clutter because I recently added:

Out with the old, in with the new as they say.

But, there are 2 cashback cards definitely worth keeping and/or getting. And yes, there’s a distinction.

Keep the Fidelity AMEX forever

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Giving Assistant Dropped 5% Cash Back at Amazon… But You Should Still Use It When You Shop There

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RIP 5% cashback on Amazon purchases via Giving Assistant.

really enjoyed getting that cashback on products sold and shipped by Amazon.

But, if you’re shopping at Amazon anyway, you should still click via Giving Assistant.

Why?

Donate 2% to charity

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Easily Save Money at Amazon.com With Paribus and Giving Assistant

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I’ve been shopping at Amazon.com a lot recently (for things like rose petal water), and have gotten a few bucks back here and there.

I liken it to seeing a buck on the ground. It’s not a lot, but you’re definitely gonna pick it up, right?

It’s kinda like that.

Were going into Q4 on Thursday, October 1st, which is a big day for Amazon shoppers and means:

  • 5X Chase Ultimate Rewards points on the Chase Freedom + 5% cash back 
  • 15% cash back possible with Discover It

There are 2 services that’ll boost your Amazon shopping experience and maybe give you a few bucks back.

Paribus

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Activate Cash Back for Discover It Q4 Bonus Categories (Amazon.com, Clothing & Department Stores)

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I’ve loved having the Discover It card so far. It offers an unparalleled 10% cashback in rotating quarterly bonus categoriesthe 1st year at least.  In fact, if you max out the categories each quarter, the card is good for an easy (and completely free!) $600 cashback.

The card has no foreign transaction fees and no annual fee. I’ve written about the importance of having at least 1 no annual fee credit card. And this one is a very worthy candidate for that slot.

Discover It’s Q4 bonus categories

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Discover It Is an Amazing Cashback Card (For the 1st Year at Least)!

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My new Discover It card came in the mail this week, in very nice packaging.

I activated it online and got about to exploring Discover Deals now that I have full access.

And I might have to change my tune now.

I’ve long heralded the Fidelity AMEX as the best cashback card.

But now I’ll refer to it as the best ongoing cashback card. Because, the 1st year at least, the Discover It has it beat by a mile.

I’ll still get great use out of the Discover It card the 2nd year, albeit much reduced.

The 1st year, this card is good for an easy $600, at least. And I’m even thinking this no annual fee card has the potential for over $1,000 back.

Getting the Discover It card

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