Ok, the picture is a bit silly. I am trying to get the maximum cash back reward from my Discover Card while I am transitioning to my new Chase Card. After cashing in $40 worth of rewards yesterday, I still have $13.86 worth of rewards trapped on my card. I can't redeem them until it reaches $20 and as my Anonymous commenter reminded me, Discover is changing their policy in May so that I have to reach $50 before I can cash them in. So far this month I have spent $158. 1% of that equals $1.58 for a total reward of $15.44. That means I need to spend another $456 this month in order to cash out before the deadline. I'm not sure my April statement will count for the $20 cutoff or the $50 cutoff since the ending date is May 6th. There is no way I can spend $456 in the next 3 weeks...I mean I could but I'd rather not.
Discover has 5% reward categories, this month it is warehouse stores. I don't shop at warehouse stores so that won't help me. If I don't reach the $20 mark I think I will just keep the card and check the 5% categories periodically. April-June will be Home Improvement stores. Maybe that will be useful. July will be gas. I know I will need gas in July. By using the Discover card only when I need something from their 5% category I should earn $50 without too much trouble. And if I still haven't reached it by December I can do some Christmas shopping through the Shop Discover site to get 5%-20% rewards. I doubt I will ever buy something from their 20% reward category but if I ever need to send flowers I hope I remember to do it through their web site.
The Chase representative who got me to sign up for my new Chase card called me today to tell me to use my card today or tomorrow so that she can add the $50 sign up bonus on to my account. I told her I was afraid to use the card because the guy with the heavy accent signed me up for the Protection Plan and who knows what else. She promised to fix any strange charges that may appear. I couldn't think of what to buy since I just went grocery shopping and I am not going to run errands until Saturday. I didn't want to buy something extra just to use my new card, but then I thought I could buy some gas. I always need gas so I put $10 worth in my car. Problem solved now gimmee my $50 reward! :)