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Reader Tip of the Day: How to Conveniently Maximize Discover’s Bonus Cash Back

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Discover is offering bonus cash back in the fourth quarter for grocery store (and restaurant and movie) purchases. The downside is that they cap this at $400 worth of purchases.

Now, I’m not anal enough to keep track of purchases and switch from one Discover to the next when I’ve reached the cap. So I purchased a $400 gift card at my favorite Albertsons. Next month I will purchase another $400 GC using my other Discover card and in December my wife will use her Discover to buy a $400 Albertsons gift card.

Bingo – maximum cash back with zero under use and zero over use. And by buying the gift cards the day after my statement cuts, maximum time before payment (although I’m going to pay in advance of cut date).

Albertsons also sells other gift cards, so we might be buying our Christmas list gift cards there too.

This tip comes from one of my readers. If you have a tip that you’d like me to pass along, feel free to email me at plastic101@gmail.com. If you want me to give you a tip of the cap (meaning you would like credit for the tip), feel free to include a name that I can use (whether it be a first name or posting ID). I’ll publish these tips as often as I get them, so keep those tips coming. Of course,

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