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I find the mental overhead of tracking categories to be extremely irritating and I have just stopped using the discover card.
by tryptophan 2y ago
I find the mental overhead of tracking categories to be extremely irritating and I have just stopped using the discover card.
- anamax 2y agoWrite the category name on a piece of paper, tape said paper to the card. Repeat every quarter. There are at least two cards with useful quarterly bonus categories.
- rty32 2y agoExactly. The overhead is no more than swapping out the cards in the wallet every 3 months and try to remember what the categories are. That's not even necessarily if you regularly use digital payments (and of course if the merchants support that). (And I believe most people never hit that $1500 cap in specific category. If you do, like, spending $500 on restaurant/Amazon/Costco a month is like nothing to you, ignore everything I say) I'd say the overhead is much much lower than things like "digital coupons" offered by grocery stores -- those are truly aimed at low income shoppers who are willing to spend time doing that.
- akira2501 2y agoIs this because the discover card is otherwise less ideal to use?
- TylerE 2y agoLots of places don’t take it. Their fees are higher than Visa
- TylerE 2y agoI’ve got an Amazon Visa that gives me 5% back on Amazon purchases, 2% on gas and restaurants, and 1% on everything else. Rewards redeem on Amazon so effectively as good as cash.