Discover cards are not the most rewarding cards in the market when it comes to huge sign-up bonuses, although they do have some decent perks like their 5% cash back card (on certain categories). They also have additional side perks like FICO scores and their own cash back portal with unique offers. Plus, if you have decent credit, you’d probably notice all of the direct mail you’d be getting from them wanting your business! (I think we get at least two pieces per week)
Why Choose Discover Card and It’s App?
1: Social Security Protection
Recently, Discover has introduced a newer feature that may entice those who are more about the security of their financials. Social Security Alerts that protect you from fraud if your number is used for any unapproved sources. This comes as a nice perk given that every credit card is attached to a social security number, so the added benefit of the company utilizing Fraud alerts will help alleviate some concern.
2: Freeze! (it)
Although we now see a lot of cards implement the Freeze feature, Discover is the one that made it popular. Just download the Discover app and Freeze your card if you lost the card or just want to add additional protection should you not want to involve the card in transactions.
3: No Huge Bonus – Yet Decent Cash Back
Again, Discover’s weakness may be the fact that they don’t offer a large sign-up bonus like the other providers do (Barclaycard offers a 70,000 point bonus). Still, those who value cashback will respect Discover It’s Cash Back card that offers 5% on rotating categories.
4: Discover IT Miles
For those who prefer credit cards with travel perks, Discover’s IT Miles card offers decent air miles redemption options. With 1.5x miles for every purchase you make, you’ll have a nice sidekick in your wallet should you choose to go with the Miles or Cashback card. Oh yeah…no annual fee on either card.
5: No Annual Fees
One of the biggest negatives that higher-end credit cards offer is the annual fee you’ll be charged if you stay loyal. It seems like it’s an unnecessary charge, yet most premium cards use this fee. Discover, on the other hand, does not charge an Annual Fee onanyof their credit cards!
6: Student’s First Card? Yes!
Building credit is something that takes time, and what better start to building credit is alongside your other student based endeavors. Discover’s Student Credit Cards are great options for those looking to build a credit score over their early financial years.
For most, credit ratings are like the chicken and the egg, but with better approval odds for a Student based card, you can be sure to build a score where you can become the chicken after college!
Other Discover Cards
Although there aren’t many more Discover offers out there, Discover has a Secured card that will help boost your credit score if you are just starting out, plus other college-aged geared cards.
Let your first card be the well respected Discover IT Cashback
Three Other Cool Credit Cards
Barclay’s Arrival Premier
The Barclays Arrival Premier World Elite Mastercard is one that will want to stay in your wallet for a while. The Unlimited 2x Miles on every purchase is an attractive way to build travel rewards over time, and Barclays rewards you even more if you make this card one of your primary sources of spending. With a bonusevery year you have it! Here’s how it works:
Spend 15K get 15,000 miles, spend an additional 10K get 10,000 miles which equals 25K miles
The eye-opening $25,000 seems like a lot of money up front, but if you switch your card to pay off bills, daycare, groceries, gifts, and other necessary expenditures you may surpass the $25,000 in spending anyways. Although you can still spend $10,000 and get an additional 10,000 Miles Bonus!!
Oh and by the way, the miles never expire, therefore save up for that trip to you always wanted to go on!
Some of the other Benefits
- Global Entry – Expedite your Re-entry with a $100 automatic statement credit for the cost of one Global Entry application fee every five years
- No foreign transaction fees on purchases made while traveling abroad
- Transfer your miles to participating travel loyalty programs
- $0 Fraud Liability protection
- Earn more miles for sharing travel stories in the mobile-friendly Barclays Travel Community
- Complimentary online FICO®score access
There is an annual fee of $150, but again if you are spending the money and looking to build this card is a worthy addition to your wallet!
Using Credit Card bonuses are something we’ll continue to talk about here at MoneyHax. If you have a stable job, or income stream and pay off our credit card debt monthly, credit cards are an excellent way to earn extra rewards paying for stuff you normally would. The Barclaycard Arrival Plus is terrific for those who want to travel and have specific sites they are loyal to when they book travel. The approval odds of the Barclaycard were better than average; perhaps this is because they are looking for more of a presence in the United States.
UBER Barclaycard Dining Rewards Card
Credit cards are a hot topic when it comes to money hacks. They provide a safety net when purchasing items given it’s not directly out of your bank account, in addition, most credit card companies offer fraud solutions to help back that up. Another benefit of having a credit card is their rewards, including cash back. Let’s take a look at the Barclay’s UBER Credit Card
How the UBER Credit Card Rewards Work
Cash back works as a rebate for the money you spent in a certain category, for example with UBER’s new credit card, you can earn 4% back on restaurant and dining. Spend $25 at your local coffee shop, get one dollar back! For those who like dining out, this card is now one of the best options out there!
The card does offer 2% back on purchases online including sites like Amazon and Walmart. This also is a competitor in that arena given how many people utilize online shopping. There is also a one time bonus of $100 after you spend $500 during the first three months of use. This is almost free money if you put your cable and/or other important expenses on the card.
Apply for the UBER Credit Card starting today, however, approval does depend on your credit score amongst other factors.
Already an Owner of the UBER Card?
Keep tabs on your account by going (and logging on) to https://cards.barclaycardus.com/?p=uber from there you’ll be able to:
- Add Payment Information
- Points Redemption Options
- Check Statements
Surely this isn’t just a dining card? It’s an UBER Card! You can redeem points for UBER credit right from the Barclaycard Dashboard:
Capital One Savor Credit Card
Like the UBER Credit Card, the new Capital One Savor card is geared for those who like to dine out and order food. You’ll get the competitive 4% Cash Back on the dining category along with 2% at Grocery stores (Walmart and Target do not apply).
Plus Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening. This offer is very enticing for those who travel, dine, or want to earn a larger bonus when you consider your out and about lifestyle. Overall, this could beat the UBER Barclaycard’s reward system using this one time bonus, only by a small margin, considering the UBER card does reward online shopping and this Capital One Savor Card does not!
Other noteworthy information:
- $0 Annual Fee First Year, then at $95 per additional year
- Good-Excellent Credit Needed
- Cash Back does not expire
- No foreign transaction fees
Credit Cards offer amazing rewards that Debit Cards do not. With responsible credit card use, you can turn the table on large financial companies and be rewarded for spending responsibly.