Considering the Discover Card Duane here with how to build credit TV and in
this video I'm gonna talk to you about my experiences with the Discover card.
And I'm also going to share with you how I was able to earn $1,788
worth of cash back. Yes almost eighteen hundred
dollars with the cash back. I'm gonna talk about that in this video, but before
we get started I have a quick message.
Once again my name is Duane with how to build credit TV. And on this channel we
talk about everything you need to know about credit. We also talk about how to
get cash back actual cash money using credit cards, as well as credit card
reviews. If this sounds like something which you're interested be sure to
subscribe to our channel by clicking the words subscribe below this video to the
right and click that notification bell so you don't miss a thing. Ok so if
you've watched any of my videos you know that my favorite credit card at the
moment is the Discover card. Especially for the first year and the value that
you get for a first year membership Discover card wins hands down. So in this
video, I'm gonna talk to you about the three things that I did that allowed me
to get almost 1800 dollars worth of cash back. Before I get into all of that I'm
gonna actually show you proof. So I actually have my cell phone here well I
have my own cell phone here I'm recording currently I'm recording with
my new iPhone XS Max. Trust me I needed it because the phone I have right here
is a iPhone 6s and it is horrible. So I'm gonna go ahead and start a screen
recording here. Okay so I started my screen recording here I'm gonna go ahead
and show you guys my discover account so that you guys can see proof that I
was able to earn seventeen hundred and eighty eight bucks within a year on my
Discover card as far as cashback is concerned. So I'm logging into my
Discover account here so they pulled it up and we're gonna have a look at the
account at the bottom it's the one that has the twenty five hundred dollars. I'll
go ahead and click on it. Alright so this account here currently there's a zero
balance and go ahead and direct your attention to the cash back bonus balance.
I'll go ahead and click on that I'm gonna click on redeem just to kind of
show you guys here. So I clicked on redeem and as you can see it says apply
any amount to your Discover bill. Totally not going to do that. It says electronic
deposit deposit any amount into your bank account, I'm totally going to do
that and I'll make a separate video showing you guys so in this video. I want
to go ahead and talk to you guys about like I said that three things that I did
that allowed me to get a lot of cash back with my Discover Card. Okay so the
crazy thing about earning that much cash back is that I have not paid one cent in
interest when it comes to my credit card bills. So I was able to earn all this
cash back with my Discover Card without paying any interest. And as far as I'm
concerned that the right way to do it. So the first
thing that I did or the first reason that I was able to earn so much cash
back with my Discover Card is because Discover Card actually matches your
cashback earned during your first year of membership. So I really earned 872
dollars in the first 12 months and then discover matched that and that was
basically that added up to seventeen hundred and forty-four dollars. And then
like I said I think I earned like another 40 something dollars in the
thirteenth month and so that's why the balance currently is seventeen hundred
and eighty-eight dollars. So once again I was able to earn that much cash back
because Discover card matches your cash back earned within the first year
and so for that reason I am totally in love with this credit card. Before I move
on to the second reason as to why I was able to earn so much cash back with my
Discover card. If you're interested in the Discover card please be sure you use
the link in the description below this video it actually helps our channel
quite a bit. And when you use that link to get your Discover card you'll
absolutely get $50 statement credit whenever you use your credit card within
the first three months. So you'll get a $50 statement credit and I'll also get a
$50 statement credit and it doesn't have to be a specific purchase it could be a
purchase for 99 cents. Whenever you use your credit card within the first three
months both of us gets a $50 statement credit. So if you're interested go ahead
and use the link below this video to sign for your Discover card. Okay so the
second thing that I did to earn seventeen hundred and eighty eight
dollars worth of cash back with my Discover Card is that I made sure that I
use my Discover card for every single purchase. And I mean every single
purchase. See with the Discover card they absolutely have 5% categories throughout
the year. So there are four quarters in the year and Discover card basically
breaks up the entire year by doing quarters and so like the first quarter
maybe like purchases and you get 5% back on gas five percent back on groceries.
And then the next quarter maybe like you get 5% back on dining restaurants you
may also get 5% cash back at Amazon. So throughout the year Discover card offers
different categories where you're able to make 5% cash back and so I totally
took advantage of that as much as I could. Now please don't
misunderstand I didn't spend money because I was trying to get the cash
back. I just spent money that I normally spend
for the most part and every time that I was lucky. You know I had like my sister
she wanted to buy a TV and I said hey let me buy the TV with my Discover card
because then that way I can go through the Discover Card and I can get 5% cash
back depending on what the offers are with discover deals. So the reason why
like I said I was able to earn seventeen hundred and eighty eight dollars worth
of cash back with my Discover card is because I used it for every single
purchase. I never use my debit card as a matter of fact my debit card looks
brand-new because it I just don't use it. So that's how I was able to get back so
much cash back with my Discover card is by using it for any purchase and I
encourage you to do the same if that's what you're interested in; If you have a
credit card that offers points or points towards miles not points towards mile
but points towards traveling. Then you definitely want to make sure that you're
using that credit card as much as possible. Okay so the third and final
thing that I did with my Discover Card that allowed me to get back seventeen
hundred and eighty eight dollars worth of cash back is I try to use discover
deals as much as I could. So Discover has something called discover deals and
basically you can use discover deals by going to your discover account and then
going from the discover site to whatever website online and you can order that
product through discover deals and you'll get five percent cash back. So
you're able to get five percent cashback on things that aren't in the five
percent cashback category. So just real quickly here I'll go ahead and show you
guys an example of what I'm talking about and so that you know exactly what
discovery deals is... So I'm gonna go ahead start a screen-recording here I should
have already started but I did not so once again I'm back on my iPhone 6s plus
my awesome iPhone. And so here we go I'm gonna log into my discover account once
again okay I'm already into discover account sweet. So I'm gonna go ahead and
click on rewards here okay and I'm gonna click on discover deals. So discover
deals once again this is another opportunity for you to get five percent
cashback on things that are not in the five percent cashback category. So I kind
of save stuff here. I have a little bookmark
here on the top right so I'll just kind of click on that and show you guys some
of the things that I've saved personally that discover deals has the 5% offer
for. So you have Apple, you can get five percent cashback bonus online. So I would
just come here and I would touch the this little image right here and it'll
bring you to the Apple site and then I pick my purchase on Apple and of course
you have Walmart. You have finished line Old Navy, Gap, Sephora, you have Groupon
you have Nike, Macy's, Sam's Club. There are a lot more things than that you can
get five percent cashback on that's not particularly right here because this is
my bookmarks and this is what I use my five percent cashback as as far as
discover deals is concerned. So once again a couple of the things that I did to
maximize getting cash back with my Discover Card is number one I made sure
that I made all my purchases with my Discover card. That's an easy way to rack
up a lot of cash back especially since you're getting 1% on all your purchases
and since Discover matches your first year of membership that's another 1%. So
it's 2% that you're getting back and then the second thing that I did was I
made sure that I tried to use discover deals as much as possible. I like to look
at discover deals and see if like there's an offer or there's a store that
I like to shop at and that if it's on discover deals I want to make sure
that I use discover deals and go from the Discover card to the website and
make the purchase that way. Especially if I'm going to get back 5%. So it may seem
like a lot of work but to me personally because I'm a credit card nerd or a nerd
in general it really wasn't a lot of work at all because I was able to earn
$1700 or almost 1800 dollars worth of cash back. So that's pretty much what I
did to get all that cash back with my Discover card and like I said if you're
interested in Discover card go ahead and apply with the link below this video
gonna help our channel quite a bit. So thank you so much for watching this
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about credit cards review as well. So if that sounds like something in which
you're interested be sure to subscribe to the channel and click that
notification bell so you don't miss a thing. Once again my name is Duane with
how to build credit TV and I approve this video. I'll see you in the next
video. Until next time take care and be blessed. Peace!