The Freedom and Discover first quarter 2016 bonus categories have been announced. Each quarter, the Chase Freedom and Discover it offer 5% categories, but you must register in order to receive the extra bonus. Registration is already open for the Discover it, and will be open for the Chase Freedom starting on December 15.
In September, I posted about an incredible deal with Discover through Apple Pay where you can earn between 22 and 23 percent cash back! There was some disappointing news this past week though for everyone participating in this promotion. It was confirmed that Discover is NOT going to pay the bonus cash back on gift cards, although they will honor the gift card purchases that were made before that exemption was added to the promotion.
Update: Much has changed since this post, and some of these cards are no longer available. For an updated list, see my current post on this topic:
Should cash back cards be in your portfolio of credit cards? I primarily focus on points and miles cards in my own rewards strategy, and that is why I write about those cards most of the time. There is a place for cash back cards in your portfolio though, and I’ll explain how I personally use cash back cards in this post.
You can earn 22-23% cash back up to $10,000 on Discover through Apple Pay from September 16 through the end of 2016! Normally I ignore my cash back cards for the most part, but this has the potential to earn $2200-2300 cash back on $10,000 in spending and it would be foolish to ignore this offer.
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I can not stress enough the importance of knowing what your credit scores are when applying for credit, and when I say credit scores, I mean FICO scores. The reality is that creditors almost exclusively use FICO scores to make decisions, not other scores that you will find from places like Credit Sesame, Credit Karma and Credit.com. In addition to buying FICO scores from MyFico.com or using a service like Credit Check Total, there are many ways you can get free FICO scores and save yourself some money. Continue reading How To Get Free FICO Scores
Many of the major credit card issuers let you check yourself to see if you are pre-qualified for any offers. Although it is not guaranteed, it may improve your chances of approval. This is a useful tool Continue reading Credit Card Issuers With That Let You Check For Pre-Qualified Offers