Thoughts
No strong opinions here. Good enough as far as categories go.
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Editorial Note:
Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
The Pro tip is Discover considers new accounts anything with a new account number (double check the fine print). So it is 10% after the cash back match. Evidence includes the card which states “Member Since [four digit year]”, any cash back activation confirmed emails which have the last four of the account number and in it say “Since you’re a new cardmember, we’ll automatically match all the cash back you’ve earned at the end of your first year.2”
Other things to consider is using a referral link to get $100 upon first purchase. Signing up about a month to five-ish weeks into the quarter of the calendar to get overlap to get 5 quarters if you jam in the purchases (say sign up Early to almost mid-ish November 2025 and put purchases for that quarter on it until (give it at least 10 days before the quarter ends I have had in person purchase be postdated (transaction date and posting)) mid-ish December. Then you still would get until Mid October 2026 giving 5 quarters.)