Tag Archives: Discover It

Track Credit Card Sign Up Bonuses, Annual Fees & 5/24 Score with TravelFreely

Good morning everyone, I hope you had a great weekend.  A few weeks ago, I was in Denver and went to the Front Range Travel Hackers Meetup Group.  At the meetup, I met Zac, the founder of TravelFreely, a website he created to track credit card sign up bonuses (deadlines to complete the minimum spending requirements), track credit card annual fees, calculate your 5/24 Score, and make it easy for you to track your credit cards along with your spouse / companion’s credit cards.  And by the way, the service is completely free and you can set up your account in a few minutes (unless you have 30+ credit cards like me, in which case, it could take a little longer).  Without further ado, here is how TravelFreely works.  To get started, sign up for your free TravelFreely account here.  Enter your name, email address, and click the Get Started button.

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Calculate Discover It Q3 Restaurant Spend ($75 Cash Back Max)

Good morning everyone. August 15 marks the midway point of Q3 (July 1 to September 30), so I wanted to do a quick check to see how I was doing in regards to my Q3 restaurant spending on my Discover It Credit Card. This quarter, the Discover It Credit Card is paying 5% cash back on all restaurant purchases, up to $1,500 in spend. If you max out Q3, you will earn $75 cash back ($1,500 x 5% = $75).

After you complete the $1,500 restaurant spend this quarter, all future restaurant spend only earns 1% cash back this quarter. I don’t want to do that, since I would rather put the extra restaurant spend on my Chase Sapphire Reserve Credit Card and earn 3x Chase Ultimate Rewards Points per dollar at restaurants. Some people value Chase Ultimate Rewards Points at more than 1.5 cents per point, but I tend to redeem them for airfare at 1.5 cents per point, so 3x Chase Ultimate Rewards = 4.5% cash back vs. Discover It’s 5% cash back (plus, I tend to redeem my Discover cash back for discounted gift cards through the Discover Deals portal). Anyway, let’s get back on track and talk about calculating Q3 restaurant spend on the Discover It Credit Card.

After logging into your Discover online account, click the Activity & Payments drop down menu and click the Search Transactions link.

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Minor Changes to Discover Banking Accounts Coming August 8, 2018

Good afternoon everyone, I just got an email from Discover regarding changes to my deposit accounts.  I have 2 credit cards, 1 checking account, and 4 savings accounts with Discover (thanks to various account opening promotions), but these changes are not for Discover It Credit Card or Discover It Miles Credit Card holders, so if you only have those Discover accounts, this post is not for you.  But if you have a Discover checking, savings, money market, or IRA account, there are a few account announcements you should be aware of.  Here is the email I received from Discover, but the email only mentions which sections were changed, not what the actual changes are, so I logged into my Discover account to find all the details.

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3 Surprising Facts About Using Discover Credit & Debit Cards Internationally

Good morning everyone. I am heading to Greece and Malta for vacation and called my credit card companies and banks to add travel notifications to my accounts. I know most credit card companies and banks do not require you to alert them when you are travelling internationally, but I like the peace of mind of speaking to a person and making sure the travel notification are added to my accounts. When I travel internationally, I like to bring several credit and debit cards from various banks, just in case if some of the cards get lost, stolen, or declined. This means I end up making several calls, but it’s worth it to me.

Image source: http://westprincechamber.com/we-now-accept-credit-and-debit-cards/

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Credit Card Benefits Goldilocks Zone: Too Popular vs. Underutilized

Good morning everyone, happy Friday.  I hope you have exciting Memorial Day Weekend plans.  I will be exploring San Diego with my girlfriend and staying at the beautiful Andaz San Diego.  Enough about me, let’s talk credit cards.  This thought has been on my mind for the last few weeks, but sparked my interest with Thursday’s post about the Citi Prestige Credit Card trip delay policy, changing from 3 hours to 6 hours (effective July 29).

It seems that some credit card benefits are too popular (like Citi’s trip delay policy or Chase’s price protection) that the credit card companies are losing money paying out claims or inundating the services that process these claims.  With several services that will automatically file price protection claims on your behalf (like Earny and Paribus) or automatically file trip delay claims on your behalf (like AirHelp and GetService), it’s no surprise that credit card companies are reducing or eliminating these credit card benefits.  (I don’t use any of these services.)

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