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After the first year with my first card, I earned ~$1,184 in matched cashback (~$2,368 in cashback for the year). And after the first year with the second card – this year – I earned ~$1,113 in matched cashback. Or ~$2,226 for the year. All this from a card with no annual fee and no foreign transaction fees.
It’s easy to get $600 in cashback if you make the most of the bonus categories. And you can get a sometimes staggering 30% cashback by stacking the Discover Deals shopping portal with the rotating quarterly bonus categories. When I say “it adds up” I mean it REALLY adds up!
I wasn’t sure if I could get the same card 3 years in a row. But I’m living proof that you can. And even at the low end, $600 back from a no annual fee card is still worth it. I think everyone (especially those over 5/24) should get this card!
Why now is an amazing time to get a Discover it® Cashback Match™ card
Take a look at the cashback calendar:
If you sign-up now, you’ll get the card in time to use it at Amazon and Target through the end of the 2017 and get 5% cashback at those 2 popular Christmas merchants.
Then, a year from now, you’ll have October and some of November to max out the Amazon and wholesale clubs category again before receiving your cashback match after your 12th billing cycle.
In between, there are popular bonus categories, like wholesale clubs (again), grocery stores, and restaurants: most everyone spends in these categories. And they are an easy win for some extra cashback. I’m all about the easy wins!
It grows in the heart
So this is like, weird, but I’ve actually grown to love the Discover brand. I obviously use Chase cards to earn Ultimate Rewards points, and other cards for travel credits, category bonus points, etc.
I do NOT care about Discover’s “Freeze It” feature (where you can freeze your card from spending activity with a click), their credit monitoring, or free FICO score. Those are great features, but what I DO love is their wonderful iPhone app, website interface, and how easy they make it to interact with the card.
I have some sort of animosity for Chase even though I love their points, for Citi because of their “family of brands” rule, and for Amex because of “once per lifetime.”
But Discover loves me and continues to reward me for putting spend on their cards without restriction – and I love them for that.
I’ve grown to appreciate the reliability and dependability of The Dublin – it’s a yearly event I anticipate for months. And for that moment of joy, I’ve fallen in love with the Discover brand.
I’m not worried about “taking their money” and getting a new card. Because I use my Discover it® Cashback Match™ card constantly – something that surprised me. I thought I’d get the bonus and run or whatever, but I’ve continually found the payouts on Discover Deals to be the best many times over.
And, Discover is making money off the interchange fees. This card is almost always in my wallet despite (or in addition to) category bonuses on other cards. And for card issuers, being top of wallet is all they ever ask for. Discover has that from me. And I really do love this card now. *long dreamy sigh* It’s interesting how you start to having feelings of loyalty for certain brands over time.
This card just doesn’t quit! I got my third Discover it® Cashback Match™ card and couldn’t be more pleased about it. This card has been my trusty companion for the last 2 years. And I already have a healthy start on my Christmas shopping with the fantastic 5% cashback categories.
I’m also riding the high of getting ~$1,113 in pure cash as my cashback match this year. In fact, the $2,200 mark is where I’ve been shooting for the past 2 years now. And with my 3rd card in hand, I expect to get about that much – again! – in the upcoming year.
For a card with no annual fee and no forex fees and few sign-up restrictions, you just can’t beat it with a stick. Most peeps, either new to points or long-timers in “The Hobby” can do well with this seemingly magical card that I’ve fallen in love with over the past couple of years.
If you sign-up with my link, you’ll get $50 after your 1st purchase within 3 months of account opening. And of course that’s matched to become $100 total (after your 12th billing cycle). That should jump-start you toward an easy $600 in the first year.
I write about this card often because I truly think it’s a great deal. Especially with the holidays coming up and the Amazon/Target bonus categories, now’s a fantastic time to consider this card for Christmas purchases with a cashback match 2 years in a row (November and December of 2017 and October of 2018). You could even use the cashback match to buy Christmas presents for loved ones. 🙂
Have you gotten your own Dublin recently? Brag about the cashback you earned in the comments! 💰
BEST Current Credit Card Deals
- Chase Sapphire Preferred - 50,000 Ultimate Rewards points - Why this is the best card to start with.
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- Discover it® Cashback Match™ Card - $50 after 1st purchase within 3 months of account opening - Earn $600 cashback the 1st year.