Till this day, the Discover More has tiered cash back system. I have been on hold for 2 hours with was supposedly an easy fix. Almost every Discover card has an intro APR. What features and perks does Discover Bank Cashback Checking offer? Discover it® Student Cash Back. But at a certain point, spending beyond a trigger level results in lower rebates! We did not recommend this card back then - Given what this card was competing against other much better cards, we did not recommend it when it was around. If you do spend $94,000 on the Discover Gold Card, your annual cash rebate percentage turns out to be 0.0532%. It has an online shopping portal called shopdiscover which pays higher rebates for merchants than other cash back portals. Low or 0% introductory APRs may be more important to you if you plan to carry a balance, rather than paying off your bill in full each month. Had an credit card account for over a year with transaction on my card. Let's look at a couple of examples below. Discover it® Cash Back reviews and complaints. Discover It is an excellent cash back credit card with no annual fee and low interest rate. I have been told to hang up and call creditors myself even though I told the discover operator I don’t have anything in collections and haven’t for over 20 years. The highest tier of this card is 1%. There’s one travel card, the Discover it® Miles Travel Credit Card that comes with 1.5x miles on all purchases. Enrollment required. If you already have a Discover card, you also must have had an open account for at least one year before applying for a new card. You can never earn more than one percent cash back. You can now use the Reviews feature to search for the most appropriate credit card using these insights, as well as the thousands of unbiased reviews submitted by our members. I called Milestone Customer Service a few week after my anniversary and now I have $100 Yearly fee from my $300 credit Limit leaving a balance of $200. The credit card focuses on offering cash back to its users, with rates as high as 5%. In fact, Discover ranked second among 11 major issuers in J.D. Prior to this, it was one of our top recommendations when it comes to cash back cards. You are earn up to $500 in cash rebates in a year (ie spending of up to $94,000). Pros Explained . Even a tiered rebate card like the old BLue Cash had a much better system where you would earn 5% rebates on the same expenses as the Dividend and Cash Plus Card. For every $2,000 you spend up to $6,000, you will get $20.00 rebate (ie 1% rebate percentage). This account includes the following features: Fraud monitoring - Discover Bank Cashback Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases. Most of Discover’s cards are cashback products. No Foreign Transaction Fees. 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