The card position: long term
- No reward consumption (rent insurance, daycare, etc) very high
- Like on planes with WiFi
- Enjoy no annual fee no currency conversion fees
Discover IT Miles Description:
- Application link: Discover Miles application link (first year of doubling all cash back)
- Apply for difficulty: low, have a credit record can easily into
- Request status: official website query application status link
- If filled in for students may not Shen second Discover card
- Other related issues see: Discover Bank properties
2. The basic characteristics of
- Opening bonus: the first years back now a second year of double
- Consumer cash back: all 1.5%
- Cash back Singapore can play to the credit card or Bank checking/saving
- Reimbursement and welfare: every year on the $30 WiFi reimbursement
- 0 APR: opening 12 months of consumption 0APR
- FTF-free foreign currency conversion fee
- No annual fee
- Double cash back: this card is the first to receive all cash back are doubled, so the first year is a 3% of all consumer credit card.Detailed analysis see: introduction to Discover the double cash back
- $30 claims: If you prefer to buy a WiFi Internet access on the plane, which is a good year to save you $30
- Return exchange: Discover this card is called a travel card, this card earn a mile, but the "Miles" is false-mile, Canadian travel consumer's 1:1 and direct cash 1:1 cash.So direct conversion cash it.
- Free credit score: your monthly TransUnion credit score (FICO), so you can keep track of changes in your credit score.This is the best credit score provided by several banks, detailed comparison see "free credit a strong"
- Balance of consumer 0APR:12 consumer within one month, just pay the minimum each month will have to pay interest.Please read the "credit card 0APR money"
- Price: purchase price over time, may require the credit card companies return to this part of the post.
- FTF-free: all non-card swipe fees outside, discover China UnionPay channel, so returning the most convenient, many places don't accept the VISA and Master card.
- Extended warranty: for items purchased with credit cards, automatically extend the manufacturer's warranty period of one year.
- After the first year, only 1.5%, not particularly attractive.Have card without any additional cash back rewards.
- "Miles" is a mile, not just like any other air miles in Exchange Exchange 1:1 higher than the value
Double cash back card the first year activities back under all 1.5%+1.5%, 1.5% return to restore the original after the second year.More suitable for those without reward categories (outside supermarkets, fuel, stores, online shopping and other consumer, such as tuition fees, insurance and pay medical bills, daycare billing) very high consumption of people.First year of 3% is not the highest reward category credit cards.Moreover, you can also use the cards to buy gift cards, go to those businesses that don't accept Discover consumption.Go to Costco site buy cash card, and then use the CashCard in the Costco consumer.Also, recently added $30 in flight WiFi reimbursement also is very good.
Personally, I have not applied for this card because my spending was mainly a variety of double cash back categories covered (such as supermarket I used AMEX EDP, come on I use category conversion to oil card, AMAZON gift card that I bought with MPX, online shopping I use Citi ATT).And the rest of the consumer have been largely used in opening new credit card spending, so not many other consumer can be placed on a card in this first year 3%.
My advice is: If you are new to credit cards, not a lot of credit cards, or do not want to use this one for a while.Then, choose 3% next 1.5% this first year credit card is good.Have some credit history can choose Citi Double Cash (all the 2% cash back) or Chase Unlimited (all 1.5x).
- Discover Miles application link (first year of doubling all cash back)