Discover offers many incentive programs besides a cash percentage rewarded. Many stores, both offline and online, offer specials throughout the year above the usual payout to increase the amount of money added to this bonus program. My anniversary date is in January thus this helps me offset some of my costs for my Christmas shopping. The card is free and accepted in most stores, restaurants and even for doctor fees. I have not had one bad experience and the individuals I have spoken to have been very pleasant.