Discover IT card

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HiLine said:   First of all, sign-up bonuses are usually in the hundreds, so $22.50 per year is relatively insignificant. Second of all, there are many cards out there that offer at least 1.5% Cash Back on everything. It's hard to imagine the $22.5 per year difference makes people turn to Discover for general use all of a sudden.

Who said anything about general use? My Discover IT will still get very targeted use; it will just see a little more action than before. $22.50 is $22.50. If I could make a 2 minute chat to customer service and get $22.50 more out of one of my BofA, Chase or Citi Cards, I'd do that too.

Chris.

If you do not use the card for general use, the Discover IT doesn't give you any more CashBack than the Discover More.

HiLine said:   If you do not use the card for general use, the Discover IT doesn't give you any more CashBack than the Discover More.

Not true. ShopDiscover purchases earn regular CashBack in addition to the ShopDiscover %. So with the IT card, you get the ShopDiscover + 1% instead of .25%. Also, Sam's Club doesn't accept Visa or AMEX. So if you don't happen to have a MasterCard that gives a good % at Sam's, the Discover IT is a good alternative, and would give you 1% instead of .25%.

Chris.



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