How does shop discover work

Here is a list of our partners and here's how we make money. Discover announced in fall that the Discover Deals program was being discontinued , effective Nov. Below is our story about the program when it was active. Most major credit card issuers have online bonus malls that offer discounts or extra rewards for shopping with specific retailers. Some are better than others. The Nerds have consistently rated Discover Deals as the cream of the crop. Subscriber Account active since.

This post contains links to products from our advertisers , and we may be compensated when you click on these links. Our recommendations and advice are ours alone, and have not been reviewed by any issuers listed. Terms apply to offers listed on this page. Read our editorial standards. If you want to make the most of cash-back credit cards , there are different earning structures to be aware of. Some cards offer a flat cash-back rate for all purchases, others include extra rewards in specific categories, and a few offer increased earnings in bonus categories that rotate every quarter.

Read more: Discover it Cash Back credit card review. New cardholders will also have all of their rewards matched after their first 12 months through the Discover cash back match program , which can add up quickly if you spend a lot on your card throughout the year. Discover's bonus categories for the entire year are released well in advance, so you can plan your credit card strategy and maximize rewards each quarter. Right now you can activate the bonus for the remainder of Q4 October to December , and for Q1 January to March.

We've seen most of these Discover cash-back categories before, but there are two entirely new options for From January to March , fitness club and gym memberships are included, and from October to December , digital wallets are another new addition. In Q2 April to June , Target is a bonus category — and this time, it includes both in-store and online purchases. Other times such as Q4 , it's been limited to online purchases only at Target. Read more: Discover it Student Cash Back credit card review.

Discover offers more redemption options than many people realize. If you have any of its cash-back credit cards , you can apply rewards to your bill as a statement credit or request a direct deposit to your bank account, redeem them toward Amazon and PayPal purchases, or cash them in for gift cards from select retailers.

Read more: The best Discover credit cards of You can also donate your rewards to select charities , including:. If you like the idea of earning a bonus in categories that rotate each quarter, you should consider the Chase Freedom Flex card. Read more: Chase Freedom Flex review.

Similar to Discover, you can redeem rewards from the Chase Freedom Flex for statement credits, cash back, gift cards, merchandise, and more. Disclosure: This post may highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy.

What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service.

We operate independently from our advertising sales team. Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money.

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available. For you. World globe An icon of the world globe, indicating different international options. Get the Insider App. That's why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. Just keep in mind that Discover applies that cash back to your account in the following one or two billing periods after your first year. So how do you get the most value from your cash back rewards? Our opinions are our own. Here is a list of our partners and here's how we make money.

Online bonus malls from credit card issuers have been disappearing one by one in recent years, and Discover's will be the next to go.

The issuer is discontinuing its generous Discover Deals program, effective Nov. The program will be available through Oct.