Tag Archives: No annual fee

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

 

Barclaycard with Apple Financing

Barclaycard with Apple financing

The Apple Rewards Barclaycard and the Barclaycard Financing Visa have both been discontinued as of Sept. 2020.

Material below is for archival purposes only.

Upon approval new cardholders receive special financing on purchases within 30 days of account opening depending on amount charged.

  • Less than $499, interest is deferred for 6 months (up to between $81 and $145)
  • From $499 to $999, interest is deferred for 12 months (up to between $162 and $290)
  • Over $999, interest is deferred for 18 months (over $162 to $290 depending on APR)

Deferred interest you owe interest on the merchandise from the date of purchase if the balance is not paid in full when the promotional period ends.

The special financing applies only to products bought at Apple Store Location, online at apple.com, or via phone through -1-800-MY-APPLE posting within 30 days of account opening.

This card doesn’t garner any rewards on purchases whether at a generous 0% financing promotion on purchases made at Apple within the first 30 days of account opening to make owning an Apple product easier on the budget.

Visit the VISA credit card website to find out more about VISA cards and their benefits that are included free of charge:

  • No annual fee
  • ID theft protection
  • $0 fraud liability protection
  • Purchase security
  • Return protection
  • Warranty manager service
  • Auto rental collision damage waiver (personal only)