Discover It Cash Back Credit Card

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Great Discover It 5% rebate categories starting January 1, 2021

From January 1 to March 31 Discover cardholders earn 5% cash back rewards:

  • Grocery stores
    • stand alone point-of-sale terminals inside building
    • Walmart grocery pick-up and delivery
    • Target grocery isn’t eligible
    • Convenience stores (7-11, Dollar Tree, etc.) and gas stations aren’t eligible
  • Walgreens stores or Walgreens.com
  • CVS stores or CVS.com

Rare opportunity:  5% cash back on gift cards
and Walmart.com grocery pick up orders.

There is a $1,500 max spend for the 5% rebate program. Amounts over that get only 1% rewards, which limits the extra cash back to no more than $120 per quarter. But that can add up to a bonus of $480 for the first year.

New Account Incentives

  1. Get 0% financing on all your purchases for 14 months from the date of account opening to help spread out the bill for a large purchase, plus the rewards.
  2. For new account holders Discover matches cash back rebates at the end of your first year, that’s up to 10% cash back (limits apply).

Note: if the account is closed before 12 billing cycles complete, there will be no match.

How to redeem your rewards

  1. Statement credit no minimum amount to qualify
  2. Direct deposit to your bank account
  3. Use on purchases at Amazon.com
  4. Buy featured gift cards with $5 added to certain ones, e.g. a Dell $50 gift card can obtained with only $45 cash rewards
  5. Donate to participating charities

Discover it Credit Card Benefits

Get cash over your purchases, up to $120 per purchase every 24 hours, without ATM fees, at select retail locations, such as Food Lion, Harris Teeter, Walmart

  • 24/7 U.S. based customer service
  • Should you lose your card, you can freeze your account in seconds with an on/off switch with the Discover App on your smartphone or the discovercard website
  • $0 fraud liability guarantee on unknown purchases
  • Free monthly FICO scores to monitor your credit rating
  • Text alerts on account activity
  • Free Social Security number and new account alerts in case of unauthorized access
  • Automatic payments available so you never miss a payment
  • Paperless statement option
  • Year-end expense report and summary

The fine print (subject to change)

  • Annual fee: $0
  • No interest if balance paid in full with 25 days
  • Regular purchase APR 11.99% to 22.99%
  • Fee for balance transfer: 5% ($5 min)
  • Fee for cash advance: 5% ($10 min)
  • Fee for foreign transaction: 0%
  • Fee for late payment: $0 first time; $40 after that
  • Fee for returned payment: up to $40
  • Fee for going over credit limit: $0

 

Wells Fargo Platinum Card Review

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Wells Fargo Visa Platinum credit card

Wells Fargo Platinum Visa credit card offers new account holders a generous annual percentage rate (APR) of 0% over 18 months.

Upgrade your credit card and finances with low monthly payments until 2022. After that enjoy the world-class customer service of Wells Fargo and Visa Card benefits.

INTRODUCTORY 0% APR FOR 18 MONTHS

Looking for a great deal to pay bills over time until the cash arrives next year? Or invest your money to make money now and pay off balances with the profits later on. The 0% APR gives smart consumers choices on how to spend their money.

Or else transfer balances from 16% or more APR (Annual Percentage Rate) cards to Wells Fargo Platinum Card for a modest 3% balance transfer fee to save potentially hundreds of dollars in interest. Remember though no to make ANY purchases on the new card while carrying a balance transfer balance. Funds may become mixed and due immediately. Read terms and conditions carefully.

BENEFITS AND FEATURES

People chasing cash rewards won’t find any with this card. The rewards come in a different form of top-flight benefits and services. No need to track the ins and outs of mostly a few dollars worth of rewards. The Wells Fargo Platinum Card keeps life simple with important features that safeguard spending.

  • No unnecessary annual fee
  • Automatic bill pay eliminates missed or late payments
  • Free online banking so you don’t lose important documents and can access them 24/7
  • Account alerts to remember your purchases and make sure prices and items are right
  • Digital wallet means no searching for the right card or leaving home without your card
  • Choose your payment date to one that meets your needs
  • Free FICO score for unexpected changes or prepare for credit checks

VISA CREDIT CARD BENEFITS

Use the card with confidence wherever you go knowing Visa Card will serve and protect you against misuse of your by others. Or you can add authorized users you trust to help them when they need assistance. Here are some of ways Visa Card works its magic.

  • Accepted where American Express or Mastercard isn’t
  • 24/7 service locally and throughout the world you need it
  • Zero fraud liability fights for your rights against scammers and hackers
  • Identity theft solutions guards you from online predators who want to steal your data
  • Emergency Cash and Card Replacement
  • Auto Rental Collision Damage Waiver
  • Travel and Emergency Assistance Services
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Hotel & Motel Burglary Reimbursement
  • Lost/Stolen Card Reporting
  • Cardholder Inquiry Service

Citi Diamond Preferred Credit Card

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Citi Diamond Preferred credit card

Citi Diamond Preferred credit card offers generous 0% financing over 18 months for new account holders.

Upgrade your credit card and finances with low monthly payments until 2022. After that enjoy the world-class customer service of Citi and benefits of Mastercard. 

INTRODUCTORY 0% APR FOR 18 MONTHS

Looking for a great deal to pay bills over time until the cash arrives next year? Or invest your money to make money now and pay off balances with the profits later on. The 0% gives smart shoppers choices on how to pay for their purchases.

Or else transfer balances from 16% or more APR (Annual Percentage Rate) cards to the Citi Diamond Preferred Card for a modest 3% balance transfer fee and save potentially hundreds of dollars in interest. Remember though not to make ANY purchases on the new card while carrying a balance transfer balance. Read terms and conditions carefully.

BENEFITS AND FEATURES

People chasing cash rewards won’t find any with this card. The rewards come in a different form of top-flight benefits and services. No need to track the ins and outs of mostly a few dollars worth of rewards. The Citi Diamond Preferred credit card keeps life simple with important features such as the following.

  • No unnecessary annual fee
  • Contactless pay where available as a quicker way to check out at the register
  • Automatic bill pay eliminates missed or late payments
  • Quicklock to freeze and unfreeze card use, so if you’re away for a few days you can keep it locked until you return without worry 
  • Free online banking so you don’t lose important documents and can access them 24/7
  • Account alerts to remember your purchases and make sure prices and items are right
  • Digital wallet means no searching for the right card or leaving home without your card
  • Choose your payment date to one that meets your needs
  • Free FICO score for unexpected changes or prepare for credit checks

MASTERCARD BENEFITS

Use the card with confidence wherever you go knowing Mastercard will serve and protect you against misuse of your card by other people. Or you can add authorized users you trust to help them when they need assistance. Here are some of ways Mastercard works its magic.

  • Accepted where American Express or Visa isn’t
  • 24/7 service locally and throughout the world you need it
  • Zero fraud liability fights for your rights against scammers and hackers
  • Identity theft solutions guards you from online predators who want to steal your data
  • Emergency Cash and Card Replacement
  • Auto Rental Collision Damage Waiver
  • Travel and Emergency Assistance Services
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Hotel & Motel Burglary Reimbursement
  • Lost/Stolen Card Reporting
  • Cardholder Inquiry Service

CITICARD CUSTOMER SERVICE

For help about features and benefits call Citicard Customer Service at 1-800-950-5114 and someone will be glad to assist you.