If you’re an online shopper like me, you should think about getting a Discover Card. It used to be the joke of the credit card world. I went to so many places that would tell me “Oh, we don’t take Discover.” It was rather embarrassing. But Discover has come a long way in the past few years. And now there’s Shop Discover.
A decent list of retailers are included in their Shop Discover mall. If you link to the retailer’s site from there, you have cashback earning potential of 5-20%. And that’s on top of whichever discount codes or sales you use on the retailer’s site. Some current examples: Macy’s (10%), Best Buy (5%), 1-800-Flowers (20%). If you’re good at stacking, this is just another wonderful layer.
Discover also offers five to six different categories per year that earn an additional 5% cashback bonus for online and in-store purchases. Like gas stations, movie theaters, restaurants, hotels, and ONLINE SHOPPING. Yes, an additional 5% cashback on your online shopping!! They do that bonus Oct-Dec. AND if you’re shopping through the Shop Discover mall, the 5% bonus is on top of the regular cashback for the retailer.
You can redeem your cashback for retail and travel gift cards, statement credits, Discover gift cards, direct deposit and charitable donations. On many of the retail gift cards, you get an extra bonus. I can currently redeem $80 cashback for a $100 Banana Republic card or $80 cashback for a $160 for Universal Orlando Resorts certificate. Many are available as an e-Certificate or a mailed gift card.
My Discover Card has no annual fee so they’re basically paying me to shop.