Discover It – 0% Intro APR for 15 months on purchases
The Discover it Credit Card is a popular and versatile credit card that offers a range of benefits for cardholders. As a user of this card for the past year, I have found it to be a rewarding and flexible choice for my financial needs.
One of the standout features of the Discover it Credit Card is its cashback rewards program. The card offers 5% cashback on rotating categories that change every quarter, such as gas stations, grocery stores, restaurants, and more. This allows me to earn cashback on everyday purchases, making it an easy way to save money on my regular spending. Additionally, the card offers 1% cashback on all other purchases, making it a reliable option for earning rewards on all my transactions.
Another feature that sets the Discover it Credit Card apart is its first-year cashback match. At the end of the first year, Discover matches all the cashback earned during that period, effectively doubling the rewards. This is a generous offer that can result in significant savings for cardholders, especially during the introductory year.
I also appreciate the flexibility of the Discover it Credit Card when it comes to redeeming cashback. The cashback earned can be redeemed as a statement credit, which can help offset the balance on my account, or as a direct deposit into my bank account. Additionally, the cashback can be used to pay for purchases on Amazon.com, making it convenient for online shopping.
Another advantage of the Discover it Credit Card is its lack of an annual fee. This means that I can enjoy the benefits of the card without having to worry about paying an additional fee each year, which can save me money in the long run.
In terms of customer service, I have found Discover to be reliable and responsive. Their online portal is user-friendly, allowing me to manage my account, view my transactions, and make payments easily. I have also had positive experiences with their customer service representatives when I needed assistance with my account.
One area for improvement is the acceptance of Discover cards. While Discover is widely accepted in the United States, it may not be as widely accepted internationally compared to other major credit card networks like Visa or Mastercard. This can be a limitation for travelers or for those who frequently make international purchases.
In conclusion, the Discover it Credit Card is a rewarding and flexible choice for those who want to earn cashback rewards on their everyday spending. With its rotating 5% cashback categories, first-year cashback match, no annual fee, and convenient redemption options, it offers a range of benefits for cardholders. However, potential cardholders should be aware of its acceptance limitations in some international locations. Overall, I have found the Discover it Credit Card to be a valuable addition to my wallet, and I would recommend it to others looking for a credit card with cashback rewards and flexible redemption options.
Capital One Quicksilver – 0% intro on purchases for 15 months
The Capital One Quicksilver Credit Card is a straightforward and rewarding credit card that offers simplicity and value for cardholders. As a long-time user of this card, I have found it to be a reliable and convenient option for my financial needs.
One of the key features of the Capital One Quicksilver Credit Card is its cashback rewards program. The card offers a flat 1.5% cashback on all purchases, with no rotating categories or spending limits to keep track of. This makes it easy to earn cashback on all my transactions, without having to worry about spending categories or quarterly changes. The straightforward cashback structure is especially beneficial for those who prefer a simple and hassle-free rewards program.
Another advantage of the Capital One Quicksilver Credit Card is its new cardmember bonus. Cardholders can earn a generous cashback bonus after spending a certain amount within the first few months of account opening, which can be a valuable incentive for new cardholders.
I also appreciate the flexibility of the cashback earned with the Capital One Quicksilver Credit Card. The cashback can be redeemed as a statement credit, which can be used to offset the balance on my account, or it can be redeemed as a check, gift card, or applied towards a purchase. This flexibility allows me to use the cashback in a way that best fits my financial needs, giving me more control over how I redeem my rewards.
In terms of customer service, Capital One has a reputation for excellent customer support. Their online portal is user-friendly, allowing me to manage my account, view my transactions, and make payments with ease. I have also had positive experiences with their customer service representatives, who have been responsive and helpful whenever I needed assistance.
Another notable feature of the Capital One Quicksilver Credit Card is its lack of foreign transaction fees. This makes it a great option for international travelers, as it allows me to use the card abroad without incurring additional fees on my purchases.
One area for improvement is the absence of bonus cashback categories. Unlike some other credit cards, the Capital One Quicksilver Credit Card does not offer higher cashback rates for specific spending categories, which means that cardholders may earn less cashback on certain types of purchases, such as gas or groceries, compared to other cards with category bonuses.
In conclusion, the Capital One Quicksilver Credit Card is a straightforward and rewarding choice for those who want a simple cashback rewards program with no annual fee and foreign transaction fees. With its flat 1.5% cashback on all purchases, new cardmember bonus, flexible redemption options, and excellent customer service, it offers value and convenience for cardholders. While it may not have bonus cashback categories, it remains a reliable option for those who prefer a straightforward approach to earning cashback rewards on their everyday spending.