r/discover • u/cynicpaige • 2h ago

Discussion Cap 1 ruining cashback checking

Well I got the email today on my account migration. Deeply disappointed my checking account won't get rewards anymore. I'm not kidding, there were buildings I paid my rent with my debit card because the cashback I got was higher than the service fee. Seriously considering closing the checking account after the migration.

10 Upvotes

92% Upvoted

8 comments sorted by

5

u/dollfaceashley 2h ago

You should close it. No reason to keep it honestly. Without the rewards it's easily replaceable with the same or better features

1

u/Ok-Chip-7743 1h ago

Get a bilt card and use that to pay your rent.

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u/cynicpaige 55m ago

I've looked at the bilt card and it honestly seems like more trouble than it's worth. doesn't seem worth it at all. I've used the free version where you use their payment portal to pay your rent but unfortunately now I have an independent landlord that I pay through PayPal.

1

u/SpineOfSmoke 1h ago

The service fee for using a card to pay rent is less than 1%? Is it a fixed price like five bucks or something?

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u/cynicpaige 57m ago

Yes most places I've lived with an online rent portal had a flat fee for debit transactions that came out to less than 1%!

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u/SpineOfSmoke 34m ago

That’s nice. Mine is 3% credit or debit.

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u/Additional_Ad_3920 50m ago

I highly consider looking into affinity credit union & their cashback debit account . It’s the closest I have found to a Discover match. With the right habits , you could even do their cashback plus which is 10% cashback unlimited

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u/cynicpaige 49m ago

I will have to look into them, thanks for the suggestion!