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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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* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

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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* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

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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* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

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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Yay! Just got Discover It and Citi Hilton 75K cards!

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I took my own advice and got 2 new no annual fee cards.

This morning, I assessed my credit card situation and thought about how I could improve my strategy moving forward.

Both of these cards fit into my financial goals in different ways, and I’m excited to start exploring their features!

Discover It

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* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

No Annual Fee Cards + Personal Finance: Why You Need (At Least) One

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Like it or not, in this country you need good credit. It’s as avoidable as death or taxes. As in, not at all.

Starting out with credit cards, you’ll encounter a catch-22: you need good credit to get a credit card, but you need a credit card to build good credit.

No annual fee cards are NOT boring. In fact, they have some innovative rewards!

No annual fee cards are NOT boring. In fact, they have some innovative rewards!

A good place to start is no annual fee cards.

For beginners

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* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!

Get an Easy $600 with the Discover It Card

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Sorry if that headline sounds clickbait-y but I’m seriously considering getting the Discover It card.

Update: I got “it!”

I’m not crazy about the name of the card. It’s hard to refer to “It.”

I might discover... It

I might discover… It

– Where’s my “It”?

– Your what?

– My “It!” Discover “It!”

– You’ve lost your damn mind.

But no for reals when I looked at the categories and did the math, I thought how lucrative this no annual fee card could be.

The cashback of the Discover It

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* If you liked this post, consider signing up to receive free blog posts via email (only 1 per day!) or in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!