But Discover Card has been good to DH and me since they send us invite-only offers where we spent X amount of money over X amount of months and then get bonus cash back money. In the past year, I've gotten a bonus 150.00 cash back and DH has gotten a bonus 250.00 cash back. I also had a very easy offer of spend 500 monthly over 3 months and get a bonus 50.00 too. These extra bonuses are on top of the regular 1 percent and 5 percent so when you factor all that in, they are paying us back anywhere from 3 to 6 percent back on everything we buy. Then redeem those for the partner gift cards (where you redeem 20 but get a 25 GC) and we are probably getting 8 to 10 percent back on everything we buy.
