Why not get a PenFed card and then switch?

might as well throw in some numbers from my last statement to support the lack of 5%-ness at Amazon

borders (physical store) 26.27, 2.15, 2.65
Amazon.com (bought direct from Amazon) 26.74
no chargebacks

5% CashBack Bonus $1.66
Everywhere Else $0.06

Discover is all but useless for me these days. However I do still use them for the 5% Get more promos. When redeeming my Cash Back I always try to find a partner gift card to increase the reward. Today I noticed they are offering Shell Gas cards ($70 gets you $75 gift card). According to CSR the gift card won't expire. This is decent for me because I always need gas or and the Shell near me has the cheapest regular around...

Check your DiscoverCard Get More rewards zone November 1. There will be an additional Get More rewards offer valid thru Christimas. This is in addition to the current quarterly one.
Update to my original post here--DiscoverCard sign said:]up to earn 2% CashBack Bonus on Internet and department, clothing, shoe and jewelry store purchases from 11/15/09 (or the date on which you sign up, whichever is later) through 12/31/09, subject to a cap of $1,000 in purchases. These purchases must post to your account by 12/31/09. Department stores are defined as retail establishments selling a wide variety of merchandise, with separate checkout counters in each department. Clothing, shoe and jewelry stores are defined as stand-alone men's, women's and children's retailers primarily selling clothing, shoes or jewelry. If a purchase is coded for a category other than those listed above, it will not qualify. Purchases earning 2% CashBack Bonus will not count toward your total annual purchases to determine your tier level. Allow up to 5 weeks for this reward to be added to your CashBack Bonus account. Only Discover More, Open Road and Motiva Cardmembers are eligible to participate in this program. See CashBack Bonus Program Terms and Conditions for further details.Now that I read all the fine print, this deal is not so hot since we have another card that pays 2% until it's anniversary date.

No, is 0.50% (2 times 0.25%) if you haven't hit that first tier of $3,000 (based on the anniversary date). Because of the extremely low first tier and the 1-2% I could get with almost any other card, I don't bother, although I suppose if I had free time I could buy $3000 in coins and hit that tier next anniversary year.

For those that have the 0% interest on purchases into January offer, I learned (from their e-mail) that purchases do not include any Cash Back.

Assuming they use the industry standard of applying payments to the lowest interest first, you could lose the benefit of the 0% if you get Cash Back.

Of course $400 on groceries (the limit for 5%) does not go far if you buy for a family. If you use this and have another high returns card, you may wish to stop the check out when you have reached $400 (which means knowing how close you are when you go into the store)and shift to another card (say the AMEX 5% on Thank you points offer if you have it).

Safe to assume you don't get the 5% bonus if you do CashBack at a grocery store (never tried, thought I saw a thread about that a while back)?

mattun said:Safe to assume you don't get the 5% bonus if you do CashBack at a grocery store (never tried, thought I saw a thread about that a while back)?

correct. they stopped giving CashBack on cashovers either at the beginning of this year, or late last year.
they sent out the email back in 2006 that they were stopping, but some supermarkets (like Giant in DC metro area) were still good till recently.

On a different note, if i dont reach the $400 cap by end of Dec (i got the card in Nov), i should just buy gas/supermarket giftcards to get it to $400?

yurgreat said:mattun said:Safe to assume you don't get the 5% bonus if you do CashBack at a grocery store (never tried, thought I saw a thread about that a while back)?
correct. they stopped giving CashBack on cashovers either at the beginning of this year, or late last year.
they sent out the email back in 2006 that they were stopping, but some supermarkets (like Giant in DC metro area) were still good till recently.
On a different note, if i dont reach the $400 cap by end of Dec (i got the card in Nov), i should just buy gas/supermarket giftcards to get it to $400?
Can anyone confirm this with evidence?!? Does anyone have a screenshot of either the email or proof (from receipt & statement) that shows that you will not earn 5% bonus on the cash you get back from a grocery store (where grocery stores allow you to get some cash with your purchase)??

I received an email promoting the DiscoverCard "Get More" program. It specified some local restaurants where I can use the DiscoverCard. The selection seems to be based on zipcode. If I do so by the end of November, I am to receive $5.00 in DiscoverCard rewards. Only one $5 reward per account.
What is weird is I received the email, but Mom did not. YMMV, but it won't hurt to look at your email to see if you get such an email too. I used mine at Arby's which did not cost me $5.00. The other Arby's in town is not on the list in my case. I think because it is in a different zipcode.
Naturally, I'd be curious if other FW folks get such an email too.