Tagged: discover it

Best Credit Card for Online Shopping

Splurgists, though I have a second husband in Ebates, I’ve been having a passionate affair with the Discover it credit card. I can’t help the fact that the Discover it is taking me on so many wonderful dates. The 5% cash back at restaurants and movies from now through June incentivizes foodie outings (is it obvious yet how deeply I feel about succulent, odorless cuts of sashimi?) and private matinee attendances.

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The Discover it is a supportive partner and actually cares about my interests. Well, the most important one: online shopping.

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Discover Deals is accessible through the account summary page. Though few affiliates are listed, brands are constantly rotated. The cash back offered is usually very generous. The following deals stood out to me and I provided the current Ebates and Mrrebates offers if any in parentheses for comparison.

  • 10% at Body Shop (Ebates 4%; Mrrebates 8%)
  • 10% at Sephora (Ebates 4%; Mrrebates 7%)
  • 10% at Macys (Ebates 8%; Mrrebates 3%)
  • 10% Under Armour (Ebates 4%; Mrrebates 6%)
  • 10% The North Face (Ebates 4%; Mrrebates 3%)
  • 10% Backcountry (Ebates 5%; Mrrebates 5%)
  • 10% Gaiam (Ebates 5%; Mrrebates 6%)
  • 10% Bluefly (Ebates 3.5%; Mrrebates 5%)
  • 5% Walmart (Ebates 2%; Mrrebates 2%)
  • 5% Apple (Ebates 1%)
  • 5% Anthropologie
  • 5% J. Crew (Ebates 1.5%; Mrrebates 2%)
  • 5% Madewell (Ebates 2%; Mrrebates 2%)

The 5% cash back at Anthropologie and at Apple are especially worthwhile.

I am okay with the fact that Discover Deals cannot be combined with promo codes (as long as free shipping is automatically applied after a purchase minimum and/or ShopRunner) because I am head over heels in like with Discover’s transparent, no strings Price Protection. Splurgists, place impulse buys on this card. I will personally make clothes/shoes purchases with the card through the DD portal because I shop in-season and need to have my exact size.

When you find an identical product being sold at a lower price than the one you paid within 90 days of your purchase (in my case, a $200 Isabel Marant shirt reduced to perhaps $100 off-season), you can file a claim through the 1 800 347 0213 service number. Discover refunds up to $500 of any price difference and up to a generous $2500 total per annum. A call representative confirmed that online stores qualify.

If you purchased multiples of an identical item, Discover only reimburses three and with the $500 cap on each item.

Chase offers price protection on their Sapphire card, but that card charges $95 per year after the first year of account opening. Citi’s Price Rewind does the searching for you, but offers a shorter 60 day coverage.

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^ Discover is famously fee-free.

There is no foreign transaction fee associated with any of Discover’s credit cards. That means a less stressful experience when shopping for European brands and when importing Japanese candies from websites that accept payment in local currency only.

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I like the Discover It card best because of the ongoing $100 Amazon gift card exclusive sign-up offer. If you would instead prefer a $50 cash back sign-up offer applicable towards any purchase, please e-mail me (Julie) at splurgist@gmail.com and I will respond with a referral link. The $50 cash back offer is a referral exclusive.

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Since there’s no annual fee to keep, there’s no pressure to spend on this card when the active 5% categories are lackluster. I can jump back into the arms of my everyday card husband.

Julie

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