What do you do with your Discover Cash Back?

The $20 for $40 Shell deal I think was a once in a decade type of deal. It would be real nice to see it again, but I would not stash a lot of cash back in the Discover card holding out hope for it.

I am basically of the opinion that you either take a gift card for $5-$10 off some store you plan on purchasing something from anyway\one of their usual offers or you just take a statement credit and be done with it. Chase UR is sort of in the same boat. Never see anything tremendous gift card-wise on that site either.

Quote from Dr. J : I did a small test when I first got my car with citgo, shell and mobil (and also 91 vs 87) and *zero* difference. Now, there may be long-term differences, but those are difficult to test. Also note with the GC's - if you use GCs to pay for something you can't use ShopDiscover - which is 5% at Lowes (and HD).

Yeah, probably not a difference among the major oil companies. I noticed a difference when compared to the local Speedway, Delta Sonic, 7-11 type stations.

I haven't bought anything on lowes.com (yet), so the shop discover is a moot point. Even so, 10% off the GC is better than 5% cash back

Quote from nizzy1115 : Lately I just use it for whatever I'm already purchasing on amazon. Between all my cards the discover usually gets about $20 cash back each month.

You're actually better off using your discover card for your Amazon purchases and then just applying your Discover cash back as a balance credit. At least you'd be earning 1% or more on the Amazon purchase.

I had some issues with CB posting from all the bonus CB they had around the holidays - and I waited until this week to call them on it.

My only previous encounter with them was several years ago when Bing cashback was around. I tried calling Discover to get cash back and they wanted documentation of the purchase, receipts, any emails I had, etc (what a PITA - with Bing you just chatted with them and they credited you). So I was expecting the same treatment.

Fortunately not - on 2 cards I rang off (separately) a list of about a dozen transactions that I never received cashback for - and a few minutes later the CSR verified the amounts (totaling about $120 in CB) and told me they'd be credited.

Why do people suggest using cashback to buy things on Amazon? Wouldn't it be smarter to get those partner gift cards since they all return more than what you pay (eg $40 CB goes to $50 gift card)?

I buy Macys giftcards. $45 of cashback bucks gets me a $50 Macys giftcard.

Quote from x_ge0rge : I just leave mine there, there was a crazy deal back in late 2011 $40 Shell gascard for $20 only... other than that, their cashback is kinda bleh

Yeah, that deal was amazing. We have built up our CB just hoping that might come around again. But now I have my eye on a tv cabinet from Crutchfield. With my cashback I will save $250 by purchasing the discounted gift cards. I think it's best to get at least something extra for your CB rather than using it on an equal cash basis.

I've used them to purchase Lowe's GC ($90 for $100 GC). Combined wth the Lowe's 10% movers coupon for some home improvement stuff I would have purchased anyway.

Thinking of doing this again soon, are the mover coupons still out there?