Tag Archives: Discover It Credit Card

On My Mind: Which Credit Card Do You Use When You Don’t Know The Bonus Category?

Good morning everyone, I hope you all had a great Super Bowl Weekend.  A few days ago, when I was reviewing my recent credit card statements and I spotted a few purchases that did not earn bonus points.  I assumed the purchases would code as a restaurant, so I used my American Express Gold Card, but to my surprise, the purchases did not code as a restaurant (and I only earned 1x on the purchases).  This led me down a rabbit hole where I pondered similar situations like:

  • A restaurant located inside a hotel (would it code as a restaurant or hotel purchase?)
  • A restaurant that was located on a golf course (would it code as a restaurant or golf course purchase?)
  • A café located inside a bookstore (would it code as a restaurant or a bookstore?)
  • And so on and so on…

To me, there are 2 possible ways to answer these questions: Gamble or Play It Safe. Continue reading

My Top 10 Most Read Blog Posts of 2020

Good afternoon everyone, I hope your week is going well.  Every year, I like to check out my stats from Google Analytics to see which blog posts were the most popular.  I created 2 lists by looking at all blog posts written in 2020 and then I looked at which posts were read the most in 2020, but written in a previous year (#stayingpower).  I will list the blog posts from top to bottom based on pageviews, share the original published date, and provide a short summary of each blog post.  If you are curious, here were the most popular posts from 2019, 20182017, and 2016.

2020’s Most Read Posts (Written in 2020)

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Reviewing my Embarrassingly Wrong 2020 Travel Predictions

Good morning everyone, I hope you all had a great weekend and a Merry Christmas (if you celebrated the holiday).  Since 2020 is almost over (thank goodness!), let’s review My Wildly Ambitious 2020 Airline, Hotel & Credit Card Predictions.  To be honest, I totally forgot that I wrote this post and I haven’t looked at it since it was published on December 30, 2019.  Here is what I wrote last year for my predictions and my thoughts on each prediction (correct in green and wrong in red):

My 2020 Airline Predictions

  • Alaska, American, Delta, or United will introduce a “Cash and Miles” payment option for award tickets. Clarification: This is not to be confused with Delta’s “Pay with Points” option where you get 1 CPP for each Delta SkyMiles for paid flights. I’m thinking more along the lines of the way British Airways and Avianca do it for award tickets.  No?  I haven’t booked any airline tickets in 9+ months, but I don’t think this prediction came true.
  • Allegiant Airlines, Frontier Airlines, Spirit Airlines, and Sun Country will announce a merger, but I’m not sure who will merge with who.  No, there were no airline mergers in 2020 among these airlines, but I expect to see some mergers of domestic and international airlines next year.

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My Best Practices for New Credit Cards and Sign Up Bonuses

Good afternoon everyone, I hope your week is going well.  I recently completed the minimum spending requirement for 4 different credit cards (My October 2020 Credit Card App-O-Rama Results) and wanted to share my best practices for new credit cards and sign up bonuses.  I currently have 32 credit and charge cards open and have had 90 other cards since I started travel hacking in 2011.  To the best of my knowledge, I have never missed a credit card sign up bonus by not completing the minimum spending requirement.  Feel free to use all, some, or none of my best practices with your next credit card.  For this post, I am going to use a fictitious credit card as an example to illustrate some of the pitfalls to avoid.

ABC Credit Card has a sign up bonus of 50,000 points after spending $3,000 in 3 months with a $95 annual fee.  You apply for the credit card on January 1 and your application is pending.  Your application gets approved on January 5 and your new credit card arrives on January 15.  You activate your new credit card on January 18.

Credit Card Tidying and Organization

When your new credit card arrives, I recommend activating it immediately.  Then set up online access to view and track your purchases.  If you get paid monthly, you may want to change the bill due date to a date that is more convenient for you (unfortunately, this may not be possible until after the first statement closes).  For simplicity, I like to have all my credit card statements close around the same date, so that I do not need to remember several different credit card due dates or statement closing dates.

If you are concerned about accidentally making a cash advance purchase, call the credit card company and ask to lower your cash advance limit to $0.  If you were approved with a small credit limit and have other credit cards from the same credit card company, ask if they can transfer some of your credit limit over to your new credit card.  If you want to receive your statements electronically, sign up for electronic statements (I will explain why below). Continue reading

PSA: Check Posting Date of Discover It Purchases Near End of Quarter (Don’t Miss 5% Cash Back Transactions)

Updated 11:30am PT on 8/5/20: My August Discover It Credit Card statement showed the $16.00 cash back adjustment that I was missing on my July statement below.


Good morning everyone, I hope you all had a great Fourth of July weekend.  Yesterday, I was reviewing my Discover It Credit Card statement and noticed that I only earned $4.05 cash back on my last statement.  After reviewing my transactions, I saw that my $400 Costco online purchase posted on July 2 (2 days after the end of Q2).  In Q2, Warehouse Clubs (like Costco) were providing 5% cash back, so my $400 purchase should have earned me $20 cash back ($400 x 5% = $20).  I did some research and called Discover for help.

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