Discover - Discover Card with Cashback Bonus Review

I have a few different credit cards.  Discover is the one I use the most.  All of my cards earn points for something.  But with Discover I earn cash back.  Every quarter they have special categories that you earn an extra 5% cash back on.  For example this quarter it includes restaurants, movie theaters, and grocery stores.  You earn the extra 5% on top on the regular cash back.  Also if you shop online thru the Discover webiste you will earn extra cash back on those purchases as well.  I pay my balance every month so I am not familiar with the interest rates.  You can use your cash back bonus in increments of $20.  You can get a check, have it applied to your account, or use it for giftcards to different stores and restaurants..  If you use it for giftcards you usually get a giftcard for more than your amount.  (Like using $20 for a $25 giftcard)  My cash back bonus paid for my computer last year. 

A few years ago I had an issue with a product that I had purchased and returned.  The store never processed the return properly.  I called Discover and their customer service department was wonderful.  They did an inquiry into it and credited my account with no problem.