Ray wrote:Sorry, I don't have an opinion on your gift cards vs. CC rewards quandary -- if you're sure they'll both be good forever -- which is a big IF.
But your post brought up another question. I'm researching and on the verge of applying for the Discover card. I
understand the Discover terms "5% rotating" and "double rewards bonus" ... but what do you mean by "+ 5% portal" ?
There's a part of the Discover website (Discover Deals) that has links to the websites of various retailers. If you click a link, and then buy something on that retailer's website using your Discover card, then Discover gives you additional rewards. Some merchandise at some websites may be excluded, or there may be other restrictions, so read the fine print.
Some other cards have similar programs. I've even gotten away with getting points through the Barclaycard Arrival portal when I used a different card at checkout. I don't know if the Discover and Arrival portals will conflict with each other, but the Amex Offers and Arrival portal do "stack" in value.
I tend to just use Discover for special things like that, since EDP and CSP get most of my everyday spending. It's a great card, though.