King of Cash Back! “Discover it” Card Review

“Discover it” is a credit card which I earn cash back the most every month among all credit cards I have. I think that this is the best card for those who shop online a lot. Discover’s online mall, ShopDiscover has over 200 retailers. This number is much fewer than other online portals such as Chase Ultimate Rewards and Citi Shopping Center, but ShopDiscover covers most of major retailers. I can find almost all retailers I usually shop in ShopDiscover. Although it has fewer retailers, some retailers can find ONLY in ShopDiscover, like, Shopping through ShopDiscover gives you at least 5% cash back. As compared ShopDiscover’s cash back bonus of my favorite retailers with other online portals, I found some of them are the same, but most of them are better.

It is my first credit card which offers the reward (cash back). When I just received the card, I was so happy about 5% cash back on rotating category and 1% on everything else. And it is a shame that I didn’t know about online portals and hadn’t used it for first 4 months although I made many online purchases. I have missed so much cash back during that time. So, for those who don’t know about online portals, here is a walk-through of ShopDiscover.

Please note that ShopDiscover became Discover Deals on January 8th, 2015. Click here to see details.

Login and click “See Retailers”

enter shopdiscover

Either type a name of retailer or choose in a drop-down list

search a retainer at shopdiscover

Click “Start Shopping” and complete a check-out

start shopping thru shopdiscover


Mostly in a few days, you will receive an email look like the below

shopdiscover confirmation emal

Sometimes, ShopDiscover page looks like this

shopdiscover additional bonus

The seasonal or occasional bonus offer. Not all but many retailers offer additional 5% cash back. Here is an example, Macy’’s page.

mothers day bonus shopdiscover

You will see this type of bonus very often throughout a year! While 5% cash back on rotating category are capped $1500 on the purchase each quarter, cash back earned through ShopDiscover is NO LIMIT! The more you buy, the more you earn!

Please note that ShopDiscover became Discover Deals on January 8th, 2015. Click here to see details.

There is another point I like “Discover it” card the best. That is its great redemption options. Here is a list of options.

  • Statement Credit
  • Direct Deposit
  • Partner Gift Cards
  • Discover Gift Cards
  • Charitable Donation
  • Pay with Cashback Bonus

redeem cashback for partners gift cardsBasically, one reward dollar= one USD. However, when you redeem for partner gift cards, one reward dollar can be worth more than one USD or even doubles. Partner gift cards (over 150 retailers’) are ALL on sale. You can get $50 Macy’s gift card for $45 reward dollar (10% discount), $25 Lands End gift card for $20 (20% discount), most gift cards in travel and vacation category are more than 50% off!

pay with cashback bonusNever choose “Pay with Cashback Bonus”. This feature, which is also found in Ultimate Reward, lets you redeem your reward dollar directly at If you do so, you can’t get any cash back through the transaction at amazon. If you redeem for statement credit, or direct deposit and then make a purchase at with Discover card, you will get 1% cash back. So, don’t use this feature unless you need it for some reasons.

Like Chase Freedom and Citi Dividend, “Discover it” offer 5% cash back on rotating category. Discover’s Q4 is very unique and useful. This offer is capped $1500 on purchases each quarter. If you want some ideas to get  a full cash back ($300 a year) from Rotating Category.

Overall, “Discover It” is the best cash back credit card for those who shop online. Any other online portals don’t offer as good rewards as ShopDiscover. And you can’t see so many gift cards with discount to redeem.  That is all about King of Cash Back “Discover it” and why I like it the best.

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