Tag Archives: Intro APR

Discover It Cash Back Credit Card

discover-it-credit-card

Great Discover It 5% rebate categories starting October 1

From October 1 to December 31 Discover cardholders earn 5% cash back rewards:

  • Amazon.com which includes
    • digital downloads
    • Amazon.com gift cards
    • Amazon Fresh orders
    • Amazon Local Deals
    • Amazon Prime subscriptions
    plus items sold by third party merchants through Amazon.com’s marketplace, made in-store at Amazon Go, Amazon Bookstore  and Amazon 4-Star.
  • Walmart.com which includes Grocery Pick Up and Instore Pick Up
  • Target.com with certain exclusions

Rare opportunity:  5% cash back on Amazon.com 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

 

HSBC Credit Card with Cash Rewards

HSBC credit card cash rewardsIntroductory Offer of 3% Cash Back for first 12 months.

HSBC credit card with Cash Rewards Mastercard® gives you 3% rewards on all eligible purchases for 12 months after opening account. This has a $10,000 limits, which means you receive up a $300 tax-free statement credit.

0% Introductory APR for 12 months means you pay no interest on your balance while earning rewards on eligible purchases. Reward points can be redeemed as direct deposits in linked HSBC checking or savings accounts. You can watch your savings grow, withdraw the accrued funds as real cash via ATM, or pay bills.

More rewards and account savings

  • 1.5% Cash rewards on eligible purchases made after the introductory period.
  • No Annual Fee
  • No Foreign Transaction Fees
  • Zero-interest for 25 days before payments are due for purchases paid in full after the promotional period.
  • Summary Of Terms for your reference as a pdf file.

Purchase and travel benefits

  • No fee for additional cards for authorized users
  • Extended Warranty doubles your original warranty up to 1 additional year.
  • Identity Theft Resolution Services provides one-on-one support in the event your identity is compromised.
  • MasterAssist® provides pre-trip planning assistance, help with lost luggage and more.
  • Master RoadAssist® Roadside Services provides help in the event your car breaks down while traveling in the U.S.
  • $1 Million Travel Accident Insurance.
  • Cellular Wireless Telephone Protection up to $600 per claim should your cellphone is stolen or damaged.
  • Free monthly FICO scores from Equifax (TRW and Experian credit scores may differ)
  • Security chip offers enhanced protection when used at chip-enabled terminals.
  • Fraud protection
  • Contactless payment feature provides fast, easy and safe checkouts with compatible Point Of Service (POS) terminals
  • Make mobile purchases using Android PayTM, Apple PayTM and Samsung Pay
  • Rewards and Benefits Brochure and Mastercard Guide to Benefits for HSBC Cash Rewards Mastercard (25 pages in pdf format)