Design Options

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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pflex
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Design Options

Postby pflex » Sat Mar 16, 2013 10:10 pm

Long time reader, first time poster here :)

Anyways, I upgraded my More to an IT a few weeks ago, and while the blue IT card does look nice I was planning to get the sweet "Dawn of Discover" card I remembered seeing recently in Discover's fairly large card design collection.

However, today when I went on the site and arrived at their card design page, I was only able to see the 5 "Standard Designs" - Blue, Beach, Mix Tape, NY Skyline, & Daisy. Does Discover no longer offer their huge collection of card designs? Was that only part of the More program? Any fellow IT holders able to access any card design options besides these standard 5?


darkguy2
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Postby darkguy2 » Sun Mar 17, 2013 1:25 am

When I got mine it only gave me those options as well. I picked the skyline one. You can try calling Discover and see if they will let you choose a different design from those 5. Or you can even try the online chat before you call.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

MaxPunishment
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Postby MaxPunishment » Sun Mar 17, 2013 6:33 am

I just logged into Discover and all the designs are there, however I believe their assortment of 100+ designs is only for the More card, the IT card I think has far more limited options.

Out of curiosity why did you upgrade from the More to the It? They are essentially the same product

pflex
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Postby pflex » Sun Mar 17, 2013 10:37 am

Hm I didn't even consider that I would lose access to all those designs by upgrading my card. I may give them a call and inquire further to see what they say.

And Max, the main reason I did the upgrade was because at the time I did not have any card that paid me 1% cashback on general purchases. The More only gave 0.25% on the first $3000 of non-category purchases or something, which to me was useless and meant that I only used the card for category spending. At least now I can get some sort of cash back for larger charges that would never be in a "category" such as car insurance or airline tickets.

Of course I say "at the time" because since then I've acquired a Sallie Mae Mastercard which also features 1% on general charges (and gave me a 2x higher CL than Discover to boot) so in hindsight my IT upgrade may have been moot.

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Terry
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Postby Terry » Sun Mar 17, 2013 3:03 pm

MaxPunishment wrote:I just logged into Discover and all the designs are there, however I believe their assortment of 100+ designs is only for the More card, the IT card I think has far more limited options.

Out of curiosity why did you upgrade from the More to the It? They are essentially the same product



With the IT card, you get 5% cash back in rotating categories and a full 1% cash back on ALL other purchases, plus a few other perks. The Discover More requires a cardholder to spend $3000 before the 1% kicks in otherwise one will receive only 1/4%. That seems to be the reason many More customers PC to IT.
AMEX Green Card - NPSL [Member Since 1995]
AMEX Everyday Card ($25,000)
Chase Visa Signature ($17,000)
Citi Visa Signature ($16,000)
Discover IT ($17,500)
Sam's Club MasterCard - ($20,000)
Wells Fargo Personal Line of Credit - ($15,000)

FICO's - 803 EX, 805 EQ, 799 TU [01/2017]

MaxPunishment
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Postby MaxPunishment » Sun Mar 17, 2013 10:44 pm

Terry wrote:With the IT card, you get 5% cash back in rotating categories and a full 1% cash back on ALL other purchases, plus a few other perks. The Discover More requires a cardholder to spend $3000 before the 1% kicks in otherwise one will receive only 1/4%. That seems to be the reason many More customers PC to IT.


The 1% isn't much of a salespitch in my book. If 1% is an acceptable return, you're better off getting a Freedom card as the 1% there in UR points is more valuable than the equivalent that Discover provides as they don't offer a point solution. Anything less than 2% means you should look into another card/another means of making the purchase, <3% is what you should always strive for minimum imo

432521
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Postby 432521 » Sun Mar 17, 2013 11:38 pm

MaxPunishment wrote:The 1% isn't much of a salespitch in my book. If 1% is an acceptable return, you're better off getting a Freedom card as the 1% there in UR points is more valuable than the equivalent that Discover provides as they don't offer a point solution. Anything less than 2% means you should look into another card/another means of making the purchase, <3% is what you should always strive for minimum imo


use shop discover, I do and I usually get 10-15 % cashback
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

MaxPunishment
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Postby MaxPunishment » Mon Mar 18, 2013 4:39 am

432521 wrote:use shop discover, I do and I usually get 10-15 % cashback


As do I, but you can do this with the More card as well. I was just trying to make the point that the 1% that It provides is not a significant enough difference to bother to change between the two cards when there is such a plethora of >1% cards on the market

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Terry
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Postby Terry » Mon Mar 18, 2013 6:31 am

MaxPunishment wrote:The 1% isn't much of a salespitch in my book. If 1% is an acceptable return, you're better off getting a Freedom card as the 1% there in UR points is more valuable than the equivalent that Discover provides as they don't offer a point solution. Anything less than 2% means you should look into another card/another means of making the purchase, <3% is what you should always strive for minimum imo



In my case, I shop frequently at Sams Club which does not accept a Visa Charge card (only Visa debit) and therefore I use my Discover IT card and get a full 1% instead of .25%.
AMEX Green Card - NPSL [Member Since 1995]
AMEX Everyday Card ($25,000)
Chase Visa Signature ($17,000)
Citi Visa Signature ($16,000)
Discover IT ($17,500)
Sam's Club MasterCard - ($20,000)
Wells Fargo Personal Line of Credit - ($15,000)

FICO's - 803 EX, 805 EQ, 799 TU [01/2017]

pflex
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Postby pflex » Wed Mar 20, 2013 8:58 pm

To follow up on my original post regarding IT card design options, I finally did reach out to Discover to see what they had to say about this.

The CSR told me that right now those 5 designs are all they have, but that they will "continue to introduce more options over time". Hopefully this means that eventually they will offer at least some of the designs that were available for the More card, but I suppose we'll have to wait and see.

I still find it odd that they stopped offering them on the new card, I wonder if maybe there was not enough interest in the card design options, but who knows. I still think it's a fun perk that very few other cards offer and I wish that more did.



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