Evolve Money Changes Terms for Discover Cards

There have been a lot of changes going on with Evolve Money lately. First, I wrote about how they were a great way to pay for bills or loans that you can’t normally pay for with credit or gift cards.

Then, they announced great news that we could use Discover credit cards to pay via Evolve.

Then the other day, shortly after making that Discover card announcement, Evolve dropped a bombshell.

Beginning December 18, 2014, you will no longer be able to use Discover credit cards to pay mortgages, car payments, 529 savings accounts, retail store cards, and student loans. However, you can continue to pay these bills for free using Discover, VISA and MasterCard debit cards, as well as cash packs.

You will still be able to pay ALL other bills that are not from lenders, including utilities, cable, phone, internet, insurance and more for free with your Discover credit card.

Well, that was short-lived and, frankly, kind of lame.

Now, the only use I have for Evolve is to pay my utility bill because if I pay directly on their site, I incur a credit/debit card processing fee – not so with Evolve. The uses stop there.

The “good news” from Evolve in that same email is that you will be able to use Vanilla Reload cards to pay bills come January 2015. However, for us manufactured spenders, that doesn’t mean a thing because you can no longer purchase them with a credit card.

Hopefully, the next announcement from Evolve will bring some better news.

Chase Freedom 2015 Bonus Categories Announced

While we’re all busy trying to hit the $1,500 in spend for this quarter’s bonus categories, Chase has announced all the bonus categories for 2015.

Chase Freedom 2015 Bonus Categories

January – March

  • Grocery stores
  • Movie theaters
  • Starbucks

April – June

  • Restaurants
  • “And more!”

July – September

  • Gas stations
  • “And more!”

October – December

  • Amazon.com
  • “And more!”

No surprises in any month. You’ll likely see Kohl’s in Q3 and Zappos & other department stores in Q4.

Activation for Q1 2015 will open December 15, 2014.

So there are not any groundbreaking opportunities for any serious manufactured spend or reselling, but I take this as good news. Chase hasn’t taken any bonus categories away next year.

These categories are always a nice way to rack up an extra 6,000 Ultimate Rewards points each quarter and with a $0 annual fee card like the Chase Freedom, I can’t complain. If you don’t have one (why not?!), the sign up bonus is 20,000 points after spending $500 in the first 3 months from account opening, which is double the normal offer. Sign up here at chase.com/freedom.

Register Now! American Express Small Business Saturday

Registration for American Express Small Business Saturday is live!

Register all your eligible American Express cards at this link as soon as you can.

As I detailed in a previous post, this year’s Small Business Saturday, which occurs on November 29th, will be different from previous years.

Each eligible American Express card will be allowed a $10 credit up to 3 times.

To earn the $10 credit, one must make a minimum $10 purchase at a shop/store/restaurant participating in Small Business Saturday. See the map here for establishments in your area.

I’ll probably be doing all our transactions at a local liquor store that was kind enough to work with us to swipe all our cards last year.

So don’t delay in registering because you never know when registration will be filled and then Amex will pull the offer!

Follow Up: Evolve Money + Discover Card

This is a follow up to my post over the weekend about Evolve Money’s newest developments.

It looks like all is well just like Evolve said!

Evolve payment posting as a purchase on Discover

Evolve payment posting as a purchase on Discover

The payment has posted to my Discover account as a regular payment & I already see the Evolve payments posting to my utility company as well as my student loan company.

This isn’t huge news but look at it as another tool in the toolbox. It’s an easy way to earn some miles from the comfort of your own home or on the go with their handy mobile apps.

Evolve Money Now Takes Discover Cards

I just received an email from Evolve Money about a new feature – they now accept Discover credit cards as payment sources!

Previously, they only accepted debit cards or gift cards as payment sources to pay bills. This opens up a nice avenue to earn some decent cashback through Discover.

Evolve Money has been a steady source of paying for things that normally aren’t able to be paid with a credit card – utility bills, student loans, mortgage, etc.

When I execute my strategy of buying gift cards from Staples with my Chase Ink Plus card to earn 5x UR points, I am obviously stuck with hundreds of dollars in gift cards. Evolve Money is one of the primary ways I liquidate these cards to ensure I don’t have too much money floating around.

If this is the first time you’re hearing of it or you need a refresher on how it works, please refer to my original Evolve post.

I just wanted  to give this quick update on a great source of miles & points. Hopefully, you can blow the dust off that Discover and earn some cashback. In fact, this quarter’s bonus is 5% on “online purchases.”

And as an added teaser from Evolve, they also mentioned this in the email:

Coming in 2015, payment by VISA and MasterCard credit cards!