How I Got $100 from Discover It Card

I recently applied for the Discover it® Card  – – I had heard many reports that it is a solid credit card, and that what makes it particularly worthwhile is the 5% cash-back quarterly categories as well as the shopping portal, aptly called ShopDiscover. The Discover it® Card  also doesn’t have an annual fee, and has a 0% APR for more than one year, which make it even more attractive.

Before applying, I surfed the internet to see if there were any special sign-up bonuses.  I didn’t see anything, so I applied for the card and was immediately approved.  In the interim, some deals for the card came to my attention, notably a $100 Amazon Gift card deal, and some possibly outdated statement credit offers.  I felt that awkward twinge of perhaps-I-had-missed-something.

When I received the Discover it® Card and called to activate it, I spoke to an agent about my concerns.  I said that I was having second thoughts about the card because I thought that I might have missed some better deals than the one I signed up for, or, in any event, maybe I should wait for a better offer to come along.  He acknowledged the Amazon promo, but said that currently there were no such promotions directly from Discover.  He nevertheless offered me a $50 statement credit.  I said that I was interested, but before I accept or decline, that I’d like to speak to a supervisor about my concerns.   The supervisor then came on the line, looked at my account, noted my great credit history, and offered me a $100 statement credit!  Of course I accepted.  I note that the agent and the supervisor were both extremely nice and professional.

For a good comparison of cards with 0% APR see this post by As The Joe Flies.

Note: If you are interested in applying for this card or the student version with $20 cash back, I’d appreciate if you could do it from the links below, which are referral links.  I appreciate the support. 

Discover it® Card also the Discover it® for Students with $20 CBB