I thought by getting this card, with 5% cash back, it couldn't get any better, but I then realized that each quarter you only earn 5% on certain items.  One quarter was hotels and airfair. I dont use these services. Right now it is only good on fashion.  So I guess what I am saying is that you need two different types of rewards cards and only use the discovver if you are buying soething that you can earn rewards on. I just typically always use my mypoints visa because I always earn with it no matter what I am… read full review »