http://www.viewpoints.com/aboutme/chintzy Wed, 28 Nov 2007 05:24:29 GMT Reviews by chintzy http://www.viewpoints.com/Discover-Credit-Card-review-73c45 The Discover Card offers 5% cash back on selected items which rotate every quarter. For these specific items, the card is great. Otherwise, you can receive better bonuses elsewhere. This card is best used in tandem with other cards by using it until the 5% bonus threshhold is maximized, then using other cards until the next quarter's bonus period begins.  The normal cash back terms is not 1% but "up to 1%", which means you start at a tier of just .25%.  Cashing in your reward dollars for giftcards is hassle-free and dependable.  You usually get a bonus when you buy gift cards (ie $20 for a $25 giftcard).  You can choose from good retailers too, like Banana Republic.... Wed, 28 Nov 2007 05:24:29 GMT http://www.viewpoints.com/Discover-Credit-Card-review-73c45 chintzy 3