[Targeted] Discover: Earn An Extra 6% Cashback At Restaurants

The Offer

No direct link to offer, sent out via e-mail. Subject line is as follows: ‘Don’t miss earning an extra 6% cash back at Restaurants’

  • Discover is offering some cardholders an additional 6% cash back at restaurants.

The Fine Print

  • Activate to earn 6% Cashback Bonus at Restaurants from 04/21/2022 (or the date on which you activate 6%, whichever is later) through 06/30/2022, on up to $1,250 in purchases.
  • Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias and fast-food locations.
  • Restaurant delivery services may not be eligible.
  • Purchases must be made with merchants in the U.S. to qualify for 6%, the purchase transaction date must be before or on the last day of the offer or promotion.
  • For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods.
  • Even if a purchase appears to fit in a 6% category, the merchant may not have a merchant category code (MCC) in that category.
  • Merchants and payment processors are assigned an MCC based on their typical products and services.

Our Verdict

Nice spending bonus if targeted.

Hat tip to reader Information Booth

Source: doctorofcredit.com

AmEx Offers: BestBuy.com, Bonus 1x Membership Rewards Per Dollar Spent (Max 5,000 Points)

The Offer

Check your AmEx Offers for the following offer:

  • Get 1 additional Membership Rewards point for each dollar spent on eligible purchases made using your enrolled Card online at bestbuy.com by 12/15/2022. Limit of 5,000 Membership Rewards points. See terms for exclusions.

The Fine Print

  • Offer valid only for online purchases made at BestBuy.com (U.S.website only) or BestBuy.com/outlet. Excludes in-store purchases. Excludes GeekSquad.com, PartStore.com, Best Buy Private Store, Best Buy Business, Best Buy Health, Best Buy Education, Best Buy Ignite, Best Buy Secondary Markets, Best Buy Auction site, corporate gift cards, electronic gift cards, group gift cards, phone purchases and purchases shipped outside of the U.S., U.S. Virgin Islands or Guam.

Our Verdict

This goes until December so definitely save the offer and keep it in mind for future purchases. There are often a number of these kinds of bonus Membership Rewards offers for various retailers that pop up as the year continues; for now I just see this offer and also a +4x offer for Fanatics.com.

Source: doctorofcredit.com

40 Companies That Give Useful Student Discounts

Ah, college. It’s an investment in your future, but it demands time and money.

You might need a break from thoughts about ramen noodle recipes and how much you’ve been blowing on takeout and delivery.

And thoughts about debt, including when interest starts on student loans (immediately).

And whether that first job will pay the bills, and what the average student loan interest rate is.

And whether someone can be arrested for abuse of a credit card. And why no one has thought of letting you redeem points for crypto. (Except someone did.)

And whether it’d be better to pay overdraft fees and bum off friends or get a budget tracker.

Speaking of budgets, if you’re a student looking to keep yours in line, we’ve rounded up discounts from national companies for clothes, restaurants, travel and transport, and entertainment.

Note that discounts are subject to change and may vary by location. You may want to contact your local stores in advance to ensure they participate in the student discount program or to see if they may offer a slightly different discount than other branches.


This list includes 10 nationwide brands that offer student discounts on clothing.

1. Aeropostale

Aeropostale offers a 15% student discount. You can cash in on this deal online or in-store.

2. J.Crew

J.Crew gives students (and teachers!) 15% off purchases in-store and online.

3. Hanes

Need some basics, like tees or undergarments? Hanes offers students 10% off online purchases.

4. The North Face

The North Face gives students 10% off at its full-price locations, meaning it doesn’t apply to outlet stores. You can also use this discount online, plus score free shipping.

5. Tommy Hilfiger

Tommy Hilfiger offers students 10% off. However, you’ll first have to sign up with UniDAYS , a popular site that helps stores verify that customers are students. It’s free to sign up, and it can help you find additional stores with student discounts!

6. Levi’s

Levi’s offers students 15% off online purchases.

7. Club Monaco

Students who are Club Monaco fans can cash in a cool 15% off online and in-store.

8. Docker’s

Docker’s offers students a generous 25% off purchases made online.

9. Outdoor Voices

Students shopping on the Outdoor Voices website can score 20% off. You’ll first have to join StudentBeans , a site similar to UniDAYS that helps verify student status and offers discounts to partner stores.

10. Champion

Champion also offers 20% off to students who sign up with StudentBeans.


These 10 national chains offer college discounts. Local restaurants may also offer student discounts, but these are some of the most common student discounts from national chains that we found.

11. The Coffee Bean & Tea Leaf

Name one college student who couldn’t use 10% off coffee (or tea)!

12. McDonald’s

McDonald’s is already a pretty fast and cheap option, but it also gives students an extra 10% off.

13. Chick-fil-A

Most Chick-fil-A locations offer students a free drink with any purchase.

14. Dunkin’

Flash your student ID and you could get 10% off your order at your local Dunkin’.

15. Arby’s

Arby’s offers 10% off to students.

16. Buffalo Wild Wings

Want to catch the game and eat some wings with friends? Go to Buffalo Wild Wings and score 10% off, too.

17. Waffle House

Need a late-night meal? Waffle House offers students 10% off.

18. IHOP

If you don’t have a Waffle House nearby, IHOP also offers 10% off.

19. Qdoba

Qdoba has two discount options for students: either a free drink with your purchase or a burrito meal for just $5.

20. Taco Bell

Trying to get your next Taco Bell fix? Satisfy your craving while earning 10% off.

Travel & Transportation

Need cheap transportation home for your next break? Or maybe you need an inexpensive hotel or moving company. These 10 discounts can cover an array of your travel and transportation needs.

21. Greyhound

Through Student Advantage , Greyhound offers 10% off travel and 15% off package shipments sent through Greyhound Package Xpress. The Student Advantage card costs $30 a year and offers students — and parents — a wide range of discounts.

22. Amtrak

Amtrak offers students 15% off on purchases made one day in advance; plus you can earn extra bonus points.

23. Choice Hotels

Choice Hotels offers students 10% off its hotels, which include:

•   Ascend

•   Cambria Suites

•   Clarion

•   Comfort Inn

•   Comfort Suites

•   EconoLodge

•   MainStay Suites

•   Quality Inn

•   Rodeway Inn

24. United Airlines

United Airlines gives students 5% off flights. StudentUniverse provides a range of other flight and hotel deals.

25. Hotels.com

Hotels.com offers up to 40% off select hotels booked through the website.

26. FlixBus

Flixbus gives StudentBeans members 15% off tickets.

27. Hertz

Hertz offers students 21 and older 15% off cars and 20% off vans.

28. Budget Truck Rentals

Budget Truck Rentals offers students 20% off local moves and 15% off one-way moves.

29. Penske

Penske shaves 10% off truck rentals when you book online.

30. Red Coach

Red Coach , a popular bus company like Greyhound, offers students 10% off tickets.


Many students may think they don’t have the money for entertainment, but 10 national companies offer some sweet student discounts.

31. AMC

AMC discounts depend on location, but they are usually 20% off.

32. Cinemark

Cinemark discounts also vary by location, but you can plan on scoring about 10% off.

33. Amazon Prime

Amazon Prime Student offers students six months of Prime for free. After that, you can get Prime for $59 a year.

34. Apple Streaming

Students can get Apple Music at a discounted rate for up to 48 months and then can get Apple TV+ for a limited time.

35. Hulu

Hulu offers students its ad-supported plan for just $1.99 a month.

36. Spotify Bundle

Students can get a Spotify, Hulu, and Showtime bundle for $4.99 a month.

37. The Washington Post

The Washington Post has a digital student subscription plan for just $1 a month.

38. Paramount+

Paramount+ offers students 25% off any monthly subscription.

39. YouTube Premium

YouTube Premium is available to students at a discounted rate of $6.99 a month.

40. The Economist

The Economist offers students an annual digital subscription for a steep 75% off.

The Takeaway

Student discounts may add up to some serious savings, but lots of undergraduate and graduate students will face a challenge to repay loans.

Refinancing student loans is one option. SoFi refinances both federal and private student loans.

Refinancing, or taking out one new private student loan, ideally with a lower interest rate, to pay off the old ones, could be a good move for someone with private student loans or higher-interest federal student loans who doesn’t plan to use federal programs like income-driven repayment plans, loan forgiveness, or forbearance.

Using SoFi’s student loan refinance calculator, you can get an estimate of how much you could save by refinancing with SoFi. You can also check out an example of student loan refinance rates.

While rates remain low, see if student loan refinancing makes sense for you.

Find your rate in minutes.

Photo credit: iStock/Moyo Studio

SoFi Loan Products
SoFi loans are originated by SoFi Lending Corp. or an affiliate (dba SoFi), a lender licensed by the Department of Financial Protection and Innovation under the California Financing Law, license # 6054612; NMLS # 1121636 . For additional product-specific legal and licensing information, see SoFi.com/legal.

SoFi Student Loan Refinance
Notice: SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income-Driven Repayment plans, including Income-Contingent Repayment or PAYE. SoFi always recommends that you consult a qualified financial advisor to discuss what is best for your unique situation.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
External Websites: The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
Third Party Brand Mentions: No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third party trademarks referenced herein are property of their respective owners.

Source: sofi.com

[Targeted] Discover Card: Get 5% Back on Amazon or Walmart, Up to $500 in Purchases (3/1-3/31)

The Offer

  • Discover is offering select cardholders 5% back on Amazon purchases during the month of March, on up to $500 in purchases. Requires activation.

Others got a similar deal from Discover for Walmart instead of Amazon.

The Fine Print

  • Activate to earn 5% Cashback Bonus® at Amazon.com from 3/1/22 (or the date on which you activate 5%, whichever is later) through 3/31/22, on up to $500 in purchases. This offer is different from the 5% Cashback Bonus® program. Enrolling here does not confirm enrollment in the 5% program.
  • Amazon.com purchases include those made through the Amazon.com checkout, like digital downloads, Amazon Fresh orders, Amazon Local Deals, Amazon Prime subscriptions and items sold by third party merchants through Amazon.com’s marketplace. Also includes in-store at Amazon Go, Amazon Bookstore, and Amazon 4-Star.
  • Purchases must be made with merchants in the U.S. To qualify for 5%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships.
  • Rewards are added to your account within two billing periods.
  • Discover makes every effort to include all Merchant Identification Numbers (MIDs). Even if a purchase appears to fit in this promotion, it may not qualify if the merchant has a Merchant Identification Number (MID) that falls outside of the description of this promotion. Discover Card does not create MID category descriptions for this merchant. Third-party payment accounts and digital wallet transactions do not qualify to earn 5% cash back. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.

Our Verdict

Nice little bonus for those who don’t have one of the 5% cashback Amazon credit cards. The Walmart version is interesting as well.

Hat tip to readers Matt and betterplanetbob

Source: doctorofcredit.com

Chase Offers program guide

If you’re tired of clipping coupons and searching for promo codes but still want to save money, Chase Offers can help you earn cash back at the places you already shop. By taking a few minutes to browse deals and link them to a card, eligible Chase credit and debit cardholders can quickly start racking up statement credits.

What is Chase Offers?

Similar to other card-linked offer programs, Chase Offers gives cardholders deals from popular brands designed to help them save money on purchases such as dining, clothing and travel. There are plenty of deals to choose from and there’s something for every kind of spender.

“We also are featuring offers from partners that are exclusive to Chase customers,” says Maribel Ferrer, communications director of payments at Chase Offers. This makes it easy for users to know that they are getting great value and savings they couldn’t find hunting for a traditional coupon or promo code.

How does Chase Offers work?

Chase Offers is a pretty straightforward program and easily accessible for eligible members.

Ferrer says that Chase Offers doesn’t require customers to sign up and that customers who use the Chase Mobile App will automatically see their offers at the bottom of their home screens.

“All they have to do is simply add offers to their card with a single tap and then shop at the merchant to earn an automatic statement credit,” says Ferrer. There’s also no limit to the amount of deals you can choose and no penalty for not using an offer.

Once you make a qualifying purchase, you’ll receive the offered statement credit in the next seven to 14 business days.

Outside the Chase app offers, these deals are also available on the Chase website, in addition to on the mobile app. You can receive updated Chase Offers online via email, too. These options make it even easier for cardholders to find offers that work for them no matter where they prefer to browse.

Restrictions and drawbacks with Chase Offers

While Chase Offers has some unique features that add value for users, there are also some drawbacks to the program:

Chase Offers vary by eligible card

These exclusive Chase credit card offers are specific to each of your eligible cards, so you can’t use multiple cards to take advantage of the same deal more than once (unless it happens to be offered for both). If you spend differently on different cards, it’s  is likely your available deals will vary.

Keep close watch on the terms and conditions

Each merchant offer also has its own set of terms and conditions that you’ll want to read carefully. Offers might require certain purchase amounts or be limited to one use per card. To make sure you actually earn the statement credit, be careful with how you spend.

Chase Offers is only available in the U.S.

While many similar programs include offers outside of the U.S. – even if your purchase is made in a foreign currency – Chase Offers is only available stateside for now. You won’t be able to rack up extra cash back while you travel.

Types of deals you can find

“Deals vary and there is something for everyone,” says Ferrer, citing examples like pet shops and hardware stores as unique deals on Chase Offers. In addition to travel, dining and retail promotions, Chase Offers users can find exclusive cash back from a wide variety of brands.

To make the experience even more unusual, Chase Offers are tailored to the specific user. When you log into your Chase mobile app, you’ll see recommended deals inspired by your location and spending patterns.

Earn more with Chase rewards cards

Making a purchase to redeem a Chase Offer doesn’t affect your normal credit card rewards earning, so you can use deals to boost your overall rewards rate. If you stack Chase Offers on rewards earned on cards like the Chase Sapphire Preferred Card or Chase Sapphire Reserve card – two of our most popular travel cards – you can earn enough for your next trip in no time.

Here’s a quick look at a few of Chase’s rewards cards to give you an idea of what you can earn.

Intro bonus Rewards rate Annual fee
Chase Sapphire Preferred

Chase Sapphire Preferred® Card

60,000 points if you spend $4,000 in first 3 months
  • 5X points on travel purchased through Chase Ultimate Rewards
  • 3X points on dining, select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs)
  • 2X points on other travel
  • 1 point per dollar on general purchases
Chase Sapphire Reserve

Chase Sapphire Reserve®

50,000 points if you spend $4,000 in first 3 months
  • 10X points on hotels and car rentals purchased through Chase Ultimate Rewards
  • 5X points on air travel purchased through Chase Ultimate Rewards
  • 3X points on other travel and restaurant purchases
  • Earn elevated rewards on all travel purchases immediately after spending the $300 annual travel credit
  • 1X point on general purchases
Chase Freedom Unlimited

Chase Freedom Unlimited®

  • Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)
  • 5% cash back on Lyft purchases (through March 2022)
  • 5% cash back on travel purchased through Chase Ultimate Rewards
  • 3% cash back on restaurant and drugstore purchases
  • 1.5% cash back on all purchases
Chase Freedom Flex℠ review

Chase Freedom Flex℠

  • $200 if you spend $500 in first 3 months
  • 5% cash back on rotating bonus categories that you must activate each quarter (on up to $1,500 per quarter)
  • 5% cash back on Lyft purchases (through March 2022)
  • 5% cash back on travel purchased through Chase Ultimate Rewards
  • 3% cash back on restaurant and drugstore purchases
  • 1% cash back on general purchases
Ink Business Unlimited

Ink Business Unlimited® Credit Card

$750 if you spend $7,500 in first 3 months
1.5% cash back on all purchases
Ink Business Cash

Ink Business Cash® Credit Card

$750 if you spend $7,500 in first 3 months
  • 5% cash back on internet, cable and phone services and at office supply stores ($25,000 in purchases per year)
  • 2% cash back on gas and dining ($25,000 in purchases per year)
  • 1% cash back on other purchases

How to maximize rewards with Chase Offers

To ensure you are getting the most cash back from your Chase Offers, follow a few simple tips:

Combine Chase Offers with paper coupons, promo codes and other deals

Since statement credits for Chase Offers are awarded simply for using an eligible Chase credit card, you can usually still utilize paper coupons or promo codes when you make your purchase. If you take a little extra time to hunt for merchant promotions, you can boost your savings.

And if you have more than one credit card, you can take advantage of multiple card-linked offer programs. For example, if you have another Chase Visa card, you can link it to Uber’s Visa Local Offers program for extra Uber Cash. That’s an especially effective combo with a card that earns rewards on Uber, like the Chase Sapphire Reserve and its 3X points on dining and other travel not purchased through the Chase portal (after the annual $300 travel credit – which can also be used on Uber).

Shop using cash back portals to stack offers

Similar to using a promo code, you can shop online using cash back portals to stack promotions. Shop Through Chase is an excellent place to start collecting a few extra Ultimate Rewards points. Other websites like Cashback Monitor clearly show where you can earn rewards from particular merchants. If your Chase Offer applies to online purchases, shop through the cash back portal and use your linked Chase card to pay to earn even more.

Check for a Chase Offer every time you dine out

While Chase Offers range from retail promotions to travel offers, most deals seem to be dining-related. Before you eat out, check your Chase mobile app for an offer at your favorite restaurant to ensure you aren’t missing out on savings.

Amex Offers and BankAmeriDeals.

Bottom line

If you are a Chase customer, it’s no question that you can get great value by taking advantage of Chase Offers. You’ll find exclusive deals without the hassle of hunting down a coupon and automatically receive statement credits quickly.

Source: creditcards.com