Hot coupon in Sunday paper: $1 off with Discover Card

Don't toss out the coupons from your Sunday paper just yet! Be sure to sift through them! At least one of them is a SAVER! It gets you $1 off your purchase when you use a Discover Card to pay! This coupon can be used at any place that accepts both coupons and Discover cards.

This means that you can use it at most of the grocery stories, and any of the big box retailers that take coupons, along of course with drugstores and convenience stores.

And better yet, the coupon is good until October 31st, 2009, so there is plenty of time to use it!

Get $10 Gift Card with every $100 you spend at the mall using the Discover Card

Discover wants you to use your card when you go on your shopping spree. And to ensure that, they have a new promotion that gets you a $10 Gift Card for every $100 you spend at the mall using the Discover Card. This is nice, effectively an extra 10% off discount on what you buy!

The promotion is taking place at The participating malls (be sure to check for participation), and it lasts from August 1st to September 7, 2008. If you have already shopped at a participating mall, make sure you dig into your paper stash and locate your receipts! There is a limit of 5 gift cards per Discover Card account during this promotional period. So shop early, and often :-)

If you are interested in getting a Discover card, please check the Discover Card website.

New Discover credit card promotions in the Sunday paper coupon books!

Discover Card has two new promotions found in the Sunday paper coupon books. This promotions promise even bigger initial bonus for new cardmembers!


Discover More Card promotion
This promotion is for a traditional Discover credit card and has the following special benefits:

• $100 Cashback bonus after you make $500+ in purchases with your new credit card. This is HUGE! That's a great temptation on its own.
  
• 0% APR on balance transfers until July 2008. Be sure to read the terms and conditions of balance transfers, and know that any subsequent purchases will be charges the full APR, as long as you have lower balances. Ideally if you plan to use this card for a balance transfer, don't use it for anything else, until you pay off the balance transfer
  
• 5% Cashback bonus on select categories that change every three motnhs. Do note that these are not uncapped. There is usually a cap of how much you can earn every three months on the special 5% cashback bonus categories
  
• And a negative, the standard cashback bonus on all other purchases is not a flat 1%, but rather starts at a pathetically miserable 0.25% and goes up the more you spend. The 5% cashback bonus purchases may not count towards this amount. But considering the $100 initial bonus and 0% APR until July 2009, we can forgive them this time :)
  
• Platinum benefits (whatever that means)

For more credit specials from a variety of credit card companies, be sure to click on the CreditCards.com banner below!




Discover Motiva Credit Card
This is a little bit of a different credit card in that it pays you back a full month's interest every time you make six on-time payments in a row. The other benefits include:

• $100 Cashback Bonus, just as explained above
  
• 3.99% APR on balance transfers until the year 2012 (yes, twenty-twelve, the year the world may end?)
  
• Up to 1% standard cashhback bonus (starts at 0.25% and increases as you spend more)
  
• No special category 5% cashback bonus like the card above
  
• Platinum benefits (whatever that means)
  

New Discover Cashback Bonus More Card special in the Sunday paper

A new Discover Cashback bonus More card offer is included in the Sunday paper, more specifically in the coupon book section, on the back page of the SmartSource coupon booklet.

This new offer promises a $75 Discover Cashback Bonus if you make $500 worth of purchases within three months of being approved for the new card. That is great news, because it's like an affective 15% reward bonus on $500 of purchases. Where else can you get that kind of a bonus? :) The invitation code is DAMV.

You also have a 3.9% APR special that lasts until 2012 (twenty twelve) on balance transfers, and you earn 5% cashback bonus on select categories that change every three months. Be sure to note however that these 5% earnings are capped, you don't get unconditional 5% earnings in each quarter.

You do get unconditional 5% to 20% off your online purchases when you make them from the Discover Card website shopping portal. The percentages are usually higher on smaller, boutique type of shops, and lower on mass market retailers. As you can expect.

For all other purchases you receive the miserable up to 1% cashback bonus from Discover. Miserable because you start at 0.25%. That is really sad. Really. In a world where Citi is offering 5% and Chase 3% (effective 3.75% if you earn $200 in cash rewards and get the $250 bonus), and just about every other cash card starts at 1%, Discover insists on starting at 0.25%. Be sure to read the fineprint on this one as it gets twisted on what counts and what doesn't. You do "graduate" to 0.50% and 0.75% and 1% eventually though.

Discover Cashback Bonus special in the Sunday paper

Discover Cards have a new promotion in the sunday paper, in the Smart Source coupon section. Be sure to check it out in your sunday paper. Here is a summary for y'all.

You recieve a $75 cashback bonus when you make $250 in purchases per month for 3 months. This comes out to $750 in purchases yielding a $75 reward. This is the equivalent of a 10% reward. GOOD!

You also get a 3.9% APR until 2010 on balance transfers. With the multiple drops in interest rates, this is something you need to look into. Depending on your credit score and other balances, you may be able to get qualify for much lower rates, even 0%, so be sure to check around first.

You also get 5% cashback bonus on select categories throughout the year. The special categories change every three months. You can also receive rewards from 5% to 20% when you make your online purchases through the Discover card online shopping portal.

The bad news for the Discover cashback rewards program is that for purchases that do not qualify for any specials, you receive a tiered cashback reward that starts at a sad and miserable 0.25%. Almost all other cashback programs have a baseline of 1% and unfortunately Discvoer continues to "ostrich" this.

For more details visit the Discover site or call their toll free number. The invitation code listed in the sunday paper is DAHX.

For more coverage of Discover in this blog, be sure to check our previous posts with the Discover tag. A total of 14 posts so far!

Special Discover Card cashback bonus promotional

Discover Card has a new promotion! You get a $75 Cashback bonus when you make your first $500 in purchases. That is a very nice 15% cashback percentage on the $500 amount! Wowie!!!

You also get 5% in special categories that change every three months, and you can get 5% to 20% discount on online purchases made through the Discover card website.

The one thing lacking with the Discover cards is that for the rest of the categories they have a tiered cashback percentage that starts at 0.25% and increases the more you spend. Boo at Discover! Fix it! Make it a flat 1% like everybody else. Come on Discover, wake up and smell the cashback rewards trends!

You also get a 3.9% APR for balance transfers. The rate is good until January 2010, that's two years from now!

To apply visit the Discover website or call the toll free phone number and mention promotion code DAHE.

Heads up: Discover Get More Jan-March 2008

For those of you who like to plan ahead, here is a heads-up on the feature Get More category of Discover credit cards for the period of January through March 2008.

The following broad categories will earn the Get More 5% rewards: Airlines, Cruises, Hotels and Car Rentals. No further information is given at the moment, but as we get closer to that date, it will be made avaialble and you will have a chance to sign up ahead of time, so you will be ready to go come January 1, 2008.

Nice Discover credit card offer in the Sunday paper

If you are into credit card rewards and special promotions, you will find this interesting! On the front page of the Smart Source coupon book Discover is promoting their Cashback Bonus card. It features the following exciting features:

special $60 Cashback Bonus when you make your first $500 in purchases (that's like a 12% reward on the $500!),

0% intro APR on purchases until April 2008 and balance transfers until October 2008

5% cashback bonus when you make purchases in the Get More categories that change four times a year (on a quarterly basis). A number of popular categories are included. For example this quarter the special is travel and gas, while next quarter is restaurants and movies and movie rentals.

Up to 1% cashback bonus on all other purchases, using the standard Discover tiered system starting at 0.25% (boo!)

But wait, there's more! If you buy online starting from the Shop Discover website when you log onto your Discover account, you can get an additional bonus of 5% to 20% from a list of participating retailers. This is probably the most generous program in terms of percentages as it features a number of webpages of big chain stores at a flat 5% rate, while smaller and more specialized stores earn 10%, and some even 20%! This is nice and very competitive if you compare it to Fat Wallet or Citi Bonus Cash Center or Chase Rewards Plus.

This concludes this message :) And remember, please use credit responsibly!

Discover Get More 5% bonus categories from October 1 to December 31

This is of interest to Discover Card members participating in the Get More program. The Q4 Get More program has been announced and you can sign up for it right now at the Discover website or by calling their customer service. This does not invalidate your current promotion (Q3, Gas/Travel) but it simply means that you can start earning the new Get More rewards right away on October 1.

So what are the special categories for Q4? (October 1st through December 31st): 5% cashback on movies, movie rentals, online movie rentals, and restaurants all of types. Be it fast food or candle-light fine dining or the tiny cafe at the corner. As long as they are registered with Discover as a restaurant of some sort. More specifically according to Discover: "classify as full service restaurants, cafes, cafeterias and fast food locations".

However, there is a cap to this reward, only the first $400 in purchase in these categories will earn the 5% reward :-( The rest will earn rewards at your usual rate which is usually 0.25%, 0.5%, 0.75% or 1%. So if you max out, you will earn $20 Cashback Bonus dollars!

Not to be confused with Shop Discover
This of course is separate from the Shop Discover program which gets you cashback rewards by visiting retailers and making purchases through the Shop Discover shopping portal. This program is valid all year round. This has some of the most generous percentage among the big box retailers, for example this big name retailer websites earn you a flat 5% such as CircuitCity.com, Crutchfield, Bloomingdales, Toshiba Direct ($50 if you buy a $1000 laptop!), Target, Tiger Direct, Sears, Office max, Macy's, Kohls (yes Kohls!), Lucky Brand Jeans and tons more! Check Discover.com for details!

Deals and ads of interest from the Sunday paper (8/12/07)

Check previous posts for Circuit City, Best Buy, Staples, Office Max and Office Depot.

Digital cameras and camera & photo deals are listed here

Compaq Presario F572us notebook computer just $450 after mail-in rebates at Office Depot this week. Check the Office Depot ad from earlier on for more details.

Mattress Discounters

You may remember them from the jingle jingle song in their ad: "have a good night sleep on us (or is it "for less"?), mattress discounters".

$150 mattress sale, any size, twin, full, queen or king, $148 each peice when you purhcase them as a set, FIRM. Extra Firm is $179 each, Sealy Plush is $219 each, Simmons Euro pillow top $280 each, Simmons Beautyrest Luxury Firm is $350, Sealy Posture-pedic Cushion Firm $400 each, Simmons BeautyRest Plush $450 each, and Sealy PosturePedic Pillow Top $500 each. You must purchase a set to get the special prices. Good for any size, twin to king!

Also available Tempur-pedic, Sleep Number beds, Adjustables beds, and Casual Convertibles

Verizon Wireless

The New Chocolate in Black Cherry, Black or Blue Mint flavors, LG VX8550 model, $100 after $50 mail-in rebate with new two-year activation

LG VX8300 VCAST capable, bluetooth headset, $50 after $50 mail-in rebate with new two-year activation

enV by LG, Verizon exclusive, LG VX9900, $150 after $50 mail-in rebate with new two-year activation. Built-in QWERTY keyboard

LG VX8700, Verizon exclusive, $150 after $50 mail-in rebate with new two-year activation.

Motorola Q Black, with MS Windows Mobile 5.0, $180 after $50 mail-in rebate and $100 advanced device credit with new two-year activation.

Also on sale these accessories: Doney and Bourke fashion case, DBPCHCRM $50, Motorola 700 bluetooth headset MBT700Z $100, Moto stereo headphones and armband MBT59SHSZ $130, and Motorola S705 stereo controller with headphones, MBTS705SHSZ $100

BroadBand Access is $60 per month for unlimited browsing, with new 1-2 year activation and qualifying voice plan. You get a FREE Rev A capable 5750 PC laptop card after $5 mailin rebate. Requires 2-yr plan for this limited time offer.

HomeWorks

Pay nothing until March 2009. Read terms and conditions for details

Receive a FREE 12-function super utility tool when you arrange for a free in-home design consultation.

Michaels

Four coupons in today's circular!

50% off your entire custom framing order

40% off any one regular priced item

40% off any one regular priced item (good for next week: Aug 19-25)

15% off your total purchase (Teacher Appreciation Week)

12 foam brushes for $1

Stickopotamus photo safe stickers 99c each

T-shirts, 17 colors, adults and youth, 2 for $5

Coupon books

Three coupon books were found in the Sunday paper,two from Smart Source and one from Valassis

Book #1 from SmartSource: Sherwin Williams, Dole, GE, Glade, Upromise sweepstakes, GUM, Muscle Milk, Chiquita, Chef Boyardee, Hebrew National, Reddiwip, Slim Jim, ACT II, Crunch n Munch, Banquet Homestyle bakes, Hunt's Manwhich, Hunts, Van Camp's pork beans, Kraft LiveActive, Kraft Singles Select, check printing,

Book #2 from SmartSource: DirecTV, Revlon Renewist Lipcolor, L'Oreal Paris Skin Genesis, Ban, Wartner, Excedrin, Promax, Lamisilk, Blair $10 knit ponte pants, Purina, Edge, Shout, Raid, Busy Bone, checks, Flat Earth Baked Fruit crisps, Breath Rx, PediaSure NutriPals, Budweiser sauce (not beer), and anti-aging spa slippers, and two Pearle Vision coupons

Valassis coupon book: Best Foods Canola Mayo, Knorr Pasta Sides, Skippy Natural Super chunk, Lawry's sesame ginger, Ragu along with five free recipes, Slimfast, Q-tips, Dove, Degree men ultra clear, All smal and mighty, Lever 2000, Snuggle, Caress, Russell Stover B1G1, L'Oreal infallible and True Match, Newman's Own, Land O Frost premium lunchmeats, Borden singles, Nivea sun-kissed moisturizer, Clairol Nice'n'Easy, Frigo Swirls, Knox NutraJoint, Loctite Super glue, Smuckers Toppings, Pillsbury, Nexcare bandages, Silk Soymilk, Alavert and more checks.

Restaurants featured: Boston Market (4 coupons), Chuck E Cheese's (four coupons)

Financial Offers

Discover Miles, double miles up to $3000 in travel and restaurant purchases each year. One mile for every $1 on all other purchases. No annual fee. Unlimited miles never expire. 0% APR on purchases and balance tranfers until September 2008

Discover Get More Cashback Bonus card, 0% APR on purchases until Sept 2008, 3.9% APR on balance transfers until 2011, 5% cashback bonus on select categories that change every three months (travel, apparel, movies, gas, home, restaurants, etc). Up to 1% cashback on the rest. 5 to 20% cashback bonus when you shop online through the Discover card website.

Citi PremierPass, 10000 bonus points when you make your first purchase within 2 months of account opening, 0% APR on balance transfers until 12/1/08, 1 point for every $1 spent, and 1 point for every 3 miles flown, no annual fee, participation in improved Thank You Rewards Network. Any airline, any time, no blackout dates!

Union Bank 5.05% APY 10-month term CD, $10,000 minimum balance

USA Weekend ads (formerly Parade magazine)

Dell Inspiron 531s desktop, AMD Athlon 64 X2 3800+ dualcore, 1gb RAM, 250gb HDD, Vista Home premium, free 19" widescreen flat panel, $500, no coupons/rebates

Dell Inspiron 1521 notebook, choicee of eight vibrant colors, AMD Turion dual core TL-50, Vista Home Basic, 2mp built-in webcam with noise isolating earbuds, 1gb RAM, 160gb HDD $700. No coupons/rebates.

Also Dell all-in-one printer 926 $50

Nutrisystem two weeks of food for free

Bookclub: 8 Disney storybooks for just $2

Free ...sandwich recipes

Free genuine amethyst solid sterling silver ring, just pay for S&H (they say)

SleepNumber bed coupons

Bose Wave coupons

Inside the newspaper offers

Red hot clearance at Macy's (see earlier posts for details)

Free Gift with Lancome purchase of $28.50 or more

Lots of appliance specials from Western Appliance including free home delivery and 12 months no interest when you make 12 equal payments.

Financial ads and offers in the August 5 sunday paper

Discover Get More credit card offers 0% APR through September 2008, 3.9% APR on balance transfers until 2011, $60 cashback bonus after you make your first $500 in total purchases, 5% on special categories that change every 3 months, and up to 1% cash back bonus on all other purchases

Also the new Discover Motiva that offers 0% APR on purchases til Sept 2008, 3.9% APR on balance tranfers til 2011, 5% to 20% cashback bonus at top online retailers via ShopDiscover, up to 1% cashback on everything else, a full month's interest paid back to you if you make six on time payments in a row (Pay-On-Time bonus)

Citibank Premier Pass credit card offers 0% APR on balance transfers until Dec 2008, 10,000 bonus points after you make your first purchase within 2 months of account opening (any purchase!). You earn 1 point for every $1 you spent, and 1 point for every 3 miles flown. No annual fee. Rewards through the ThankYou Rewards Network.

Countrywide 5.35% APY with a 3-month term CD with $10,00o minimum balance. Also 5.25% APY money market account with $50,000 minimum balance

$0 points, lender fees, closing costs from Downey Savings

July 22 Sunday Paper Circular Ads, deals and specials

This will be a gigantic post when it is done! Enjoy :) Use the search feature of your browser to find the specific store or item or brand of your choice.

Coupons

20% off single item coupon from Bed, Bath and Beyond

The coupon book containts coupon from Smartsource, including Red Lobster, BIC Soleil, Pure Protein, Sunkist Almond Accents, Revlon 3D Extreme mascara, Nicorette, L'Oreal PAris, Huggies, Kraft, Pepperidge Farms, Rayovac, Cottonelle, Scrubbing Bubbles, Oust, Windex, Glade, Pledge, Fantastik, Desitin, and Schiff.

15% off Carpet club coupon

40% off single item coupon for Beverly's

Nordstrom Anniversary sale

Financial

Citibank 7-month cd 5.35% APY

5.40% APY 9-month term CD from Countrywide Bank. Minimum amount $10,000. Also 5.40% savings account with minimum $50,000

Discover Card special offer: $60 cashback bonus after you make $500 in purchases, 0% APR on purchases until august 2008, 3.9% on balance transfers until 2011, 5% cashback bonus on select categories, up to 1% on everything else, at least 5% cashback bonus when buying through the ShopDiscover website.

Other stuff

USA Weekend (Parade magazine) has a Simpsons cover and a two-page poster of the titled "Simpsons go to Hollywood" in the middle of the magazine

Other offers inside USA weekend (formerly Parade Magazine): Diana porcelain collector plate by Royal Worcester, Sleep Number Bed special discounts and financing, Samsung's Jitterbug, CoolAir 4000, and Dell $500 desktop computer and $770 notebook computer. It also has a safety recall notice from GE on various dishwasher models.

Summer sale at Roche Bobbois

Free Normal delivery after mail-in rebate from Western Appliance. Also 0% interest for 12-months with 12 equal monthly payments

Shreve & Co factory authorized swiss watch sale, 20% to 60% off

Macy's PreSeason Sale

25% off dress shirts from JOE Joseph Abboud, Perry Ellis and Claiborne

50% off Macy's Hotel Collection

Cephalon contemporary nonstick omelette pan set $50

25% off sportswear from Studio M, Charter club, Style & Co, Ambition, Lloyd Williams, and Sunny Leigh.

50-65% off entire stock of suits from Kenneth Cole Reaction, Ungaro Homme, Lauren, Oscar de la Renta, Tasso Elba, Jones New York, and Perry Ellis

25-30% shoes for her from Guess, Marc Fisher, Nine West

25% off Danmer's Thermalite Custom Shutters

Earn Star Dollar Rewards when you purchase using your Macy's card. Spend $50 get $10 reward, spend $100 get $20, spend $200 get $30. Rewards must be redeemed by August 5.

Verizon Wireless

Motorola multimedia Moto RAZR V3m, just $10 after mail-in rebate of $50, and new two year activation.

Unlimited navigation, email, video and messaging with plans $80 or more

more coming soon!

Discover Card Cashback Bonus promo in the Sunday paper

Discover Card Cashback Bonus promo in the Sunday paper:

3.9% APR on balance transfers until 2011

Special bonus: $60 cash back bonus when you make $500 in purchases

5% Cashback bonus with the Discover More card, in popular categories that change every quarter (every three months). They include restaurants, gas, travel, movies, apparel (including Home Depot, Kohls, etc)

Online cashback bonus from 5% to 20% if you shop directly from the Discover card website. Similar to FatWallet. The high percentages are usually for things like magazines and such. The traditional big chain stores are around 5% or so

Up to 1% cashback on everything else. Beginning October 1, 2007, 5% Get More purchases and warehouse purchases do not count in the total annual amount that determines your cashback percentage rate. Translation: You will need to spend more to get past the 0.25%, 0.50%, 0.75%

Unlimited rewards. Some programs put a cap.

Consumer Beware segment! Discover advertises unlimited cash rewards, but beginning October 1, 2007 you won't be able to get a check for your rewards. So it's not really cash. You can still use the amount to pay your bill

You are never responsible for unauthorized charges, online, offline, anytime, anywhere (nice feature)

no annual fee

very fast on-shore customer service with knowledgeable and efficient customer service (this from my personal experience)

Important: Changes to Discover Get More Rewards program!

I received today a letter from Discover indicating changes to the terms effective on October 1, 2007. The rewards part is on page 2 of the letter. Don't just look at the first page :) There are a few changes, but I am only talking about the ones that affect rewards and cashback bonus:

This reward option will be removed October 1, 2007: Mailing of a check for your rewards amount. They will still allow credits to your statement, and all the other rewards, but no check in your hands.

Also, the total amount of purchases made during your anniversary year will not include warehouse purchase or purchases qualifying for the 5% Get More reward. What this means is that it will take longer for you to go from 0.25% to 0.5%, etc, etc, if you make warehouse club and/or Get More purchases.

Forfeiting entire balance of cashback bonus or miles: if you fail to make a minimum payment for two consecutive billing periods, if your account is inactive for 18 months (previously it was 36 months)

Opinion: This obviously makes the rewards program less consumer-friendly. If it wasn't for the Get More program, the Discover Cashback bonus program with the tiered system starting at 0.25% would be in the bottom tier of rewards program. But the Get More program remains. If none of the above affect you directly (eg you don't get your rewards as checks in the mail) then it's all good.

Discover Card Cashback Bonus promo in the Sunday paper

$60 cashback bonus when you make $500 in purchases

3.9% APR on balalnce transfers until 2011

Earn 5% cashback bonus on popular categories that change every three months

Up to 1% (tiered) cashback bonus on all other purchases

5% to 20% cashback bonus when you shop online starting from the Discover card webpage

0% APR on purchases until August 2008

No annual fee

$0 fraud liability guarantee

award winning customer service (they do pick up fast and know the answers most of the time!)

As always, be sure to read all the fineprint, and ask them questions!

Discover Card Get More: New categories for 5% (starting July 1st)

Discover Card Get More: New categories for the 5% flat-rate cashback bonus starting July 1st through September 30, 2007. According to Discover it includes the following categories:

Gas

Hotels

Admissions to Theme Parks, Water Parks, Museums, Aquariums, Zoos

The cap is unfortunately only $400 in purchases in this category, so the most you can earn from this promotion is 5% of $400 = $20.

They have also announced that the next quarter (October thru December) the 5% category will be restaurants (good!) and movies.

Coupons in the Sunday paper

The highlight is the booket from Proctor & Gamble (PG) of a total of $94 of savings if every coupon in their coupon book is used. Most coupons expire 7/31/07. If you plan to use this often, get more sunday papers! Especially if they are discounted in one of your local stores (eg Longs drugs)

Among the other coupons, there are some for Sweet Tomatoes, Boston Market,

Ad for Discover Card's 5% cashback bonus program. Also 3.9% APR on balance transfers until 2011. $60 bonus when you make $500 in purchases.

Credit Card Rewards Strategy session

This post will be growing organically.

Here are some suggestions on how to maximize your credit cards rewards:

For grocery, drugstore and gas station purchases, Citibank offers 5% rewards, either in a cash-only rewards program or a rewards program (Thank You Network or Thank You Redemptions or something like that). You can have both type of cards. You can't complain with 5%! There is an annual cap on your total rewards per individual credit card.

Chase has a new creative idea for their Chase Freedom card. They have fifteen (15) categories of purchases. Each month, they calculate your top three categories and give you a 3% reward on those purchases. Everything else earns 1%. The categories are computer-calculated for every statement. You have a choice of rewards or cash. You can switch between the two choices once per month

American Express has special mail-in and email offers to receive double points for purchases until August 31, 2007. This means your Amex Blue or Optima purchases earn 2% instead of 1%. Not bad for things that don't qualify for higher rewards in other cards.

Discover's Get More program offers featured rewards that change every quarter (every three months). These earn you a flat 5% reward on those featured purchases regardless of your regular reward percentage status. The 5% reward has a cap per quarterly promotion

As always with all these, make sure you read the fineprint!