100% U.S. Based Customer Service
Some of the quarterly 5% categories are really good, like gas and ALL online purchases (stacks up with ShopDiscover, too!)
Customer service is awesome, probably only second to Chase right now.
agp wrote:Discover is good for increasing AAoA. Shop Discover too, but UR mall is a formidable opponent because I value UR points a lot. Also you can only cash out your Discover cashback at $50 increments.
True UR points are great and I love the flexibility. I try to maximize both though, and as much as I love UR points if Discover is offering 10% CB--that's hard to beat.
You can redeem CB for smaller denominations if you are using partner GCs or "pay with CB" ferature.
At the end of the day I only use my IT card for targeted purchases--ones where I can get 5% or higher CB.