Tag Archives: Discover It Credit Card

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My Q2 Rotating Cash Back Category Credit Card Strategy

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(Hat Tip to Free-Quent Flyer Book’s post from yesterday)

2 nights ago, I was at the SF Travel Hackers March Meetup and I was talking to a few friends about my second quarter rotating cash back category credit card strategy (that is a mouthful).  I wanted to see what everyone’s strategy was for Q2 and that thought process led to this post.  As a reminder, there are currently 4 rotating cash back category credit cards: Chase Freedom, Citi Dividend, Discover It, and US Bank Cash+.  Even though I have around 30 credit cards, I am a minimalist at heart.  I have an iPhone case that can hold a few cards.  Currently, my “iPhone wallet” (Verus iPhone card case on Amazon) holds my drivers license, my Citi Forward (5% cash back at restaurants) and my AMEX Old Blue Cash (5% cash back at grocery stores, pharmacies and gas stations).

iPhone 6S Versus Card Case

Since I want to remain a credit card minimalist, I want to carry only 2 credit cards in my “iPhone Wallet.”  Which credit cards will I carry for Q2? Continue reading →

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Credit Card Affiliate Links: An Update

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Good morning everyone, happy TGIF (Thank Grant It’s Friday).  I hope you have exciting plans for this coming weekend.  As I wrote yesterday, I will be headed to Phoenix this weekend for a few Spring Training baseball games.  I really appreciate all the great comments and tips from experienced Spring Training attendees.  If you are thinking or planning on going to Spring Training, I definitely recommend reading the comments of that post.

Anyway, I wanted to update my readers that I recently added credit card affiliate links back to my Credit Card Page.  You can also access the credit card page by clicking on the View Credit Card Offers link in the right sidebar.  Unfortunately, I do not have direct credit card affiliate links to specific cards, but the affiliate links I do have will show you similar credit cards grouped by category.  Since I do not have direct credit card affiliate links, I will not bombard you with credit card links throughout every post.  If I mention a specific credit card or credit cards in a post, I will provide a link on the bottom of the post that will take you to my credit card page.  I greatly appreciate your support if you decide to use any of the links to apply for a credit card.

Credit Card Affiliate Links

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Chase Freedom + Uber in Europe = 5x Chase Ultimate Reward Points + Foreign Exchange Fees

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Good morning everyone, I’m here in Munich, Germany, today and flying to Venice, Italy, this evening.  I’ve had a few chances to use Uber in Europe (UberX both times) and wanted to share my thoughts.  Unfortunately, Uber is not as widespread as it is in the United States and is only available in a few European cities.  I have only taken UberX rides in Nice, France, and Munich, Germany.

UberX is always cheaper than traditional taxis (excluding surge pricing) and it can sometimes be cheaper than public transportation (buses and trains).  For short trips with multiple people, I would use UberX every chance I can.  Unfortunately, you need WiFi/data to access the Uber app.  I don’t have an international data plan, but I can connect to various free WiFi hotspots in airports, hotels, and cafes.  As long as you can request an Uber pickup, you do not need WiFi/data for the duration of the trip.  Your credit card will automatically be charged when your ride is over and you will receive an emailed receipt, like the one below.

Uber Receipt Munich

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Travel Predictions for 2016 Part 2: Credit Cards and MS

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Good afternoon everyone, I hope you enjoyed my insightful/crazy ramblings in Travel Predictions for 2016 Part 1: Airlines and Hotels.  If you liked that post, you will surely love my crazy predictions about credit cards and MS.  Full disclosure, I wrote most of this post on my iPhone standing in front of a dryer at my local laundromat, so the train of thought might be kind of strange.  I apologize.  Without any further ado, let’s get started!

Credit Cards

Chase – with the loss of Amtrak and the addition of Singapore Airlines in 2015, I think we will see some more changes to Chase’s transfer partners in 2016.  I think we will see some more international airlines added (like the Citi Thank You Points program).  A few guesses?  Air Canada, Qantas, Air China, and Lufthansa (insert your favorite international airline).  Chase Ultimate Rewards will continue to transfer 1:1 to all programs and there will be no transfer bonuses.  I think there will be a newsworthy announcement for the Chase Sapphire Preferred, maybe adding free Gogo WiFi like the US Bank FlexPerks Credit Card or perhaps a new 3x category to compete with Citi Premier/Prestige Credit Cards.  What about our beloved Chase Ink Bold/Plus Business Cards?  I am worries that the 5x category might change to something less lucrative or the yearly cap might be lowered.  I also predict Chase will launch a completely new travel rewards credit card in 2016.  Maybe the Airbnb/Uber Credit Card?  Lastly, I hope Chase loosens up on the 5/24 rule or completely eliminates the rule altogether.   Continue reading →

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Discover ApplePay 10% Bonus “One-Time Courtesy” Credits Posting on December Statements

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Good morning everyone.  I just got an email from Discover stating that my December statement was available to view.  I eagerly logged into my Discover It Credit Card account to see if my ApplePay 10% cash back bonus posted.  Last month, I wrote Discover ApplePay 10% Bonus “One-Time Courtesy” Credits Not Posting on November Statements, where I shared my experience with not receiving the bonus cash back in November.  Prior to that post, I wrote Discover Honors ApplePay Gift Card Purchases as “One-Time Courtesy” through 9/17/2015, where I showed the good and bad emails from Discover (good email shown below).

Discover It Honors Gift Card Purchases

Anyway, after logging into my Discover It Credit Card account, I saw $112.48 as an ApplePay 10% cash back bonus.  Since there is a 1-2 month lag between making the purchase and receiving the cash back, I looked at all my purchases from the last year and exported them to a spreadsheet.

Discover It Cash Back Summary 12-7-2015

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