About Bernard "Robin" Baker

Founder, – Discover it

By |September 19th, 2019|

I’m happy to report that we now nave Discover it Card benefits on

Discover has taken a different approach from other cards in its benefits program. There are just a few, including providing your FICO credit score each month with your bill, and several relating to security and fraud protection.

But, the most prominent are the […]

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Visa Benefits on

By |September 16th, 2019|

Moving forward in our quest to become The Google of Loyalty Program Benefits, is happy to announce that Visa Classic/Traditional, Visa Signature, Visa Infinite and Visa Platinum Card benefits have been added to the site.

So, what are the benefits? There are a lot of them. You can search and find them on UMB […]

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Moving Forward

By |September 13th, 2019| is moving forward in its quest to become “The Google of Loyalty Program Benefits.” We don’t understand why you can’t walk into a store, shop online or walk into a restaurant, and have one place to go to determine whether you personally are entitled to a discount, cash back, free item or service, then […]

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2019 Discover Cash Back Offers

By |December 10th, 2018|

If you are impatient and don’t want to wait for good things to happen, this announcement is for you.

But before we dive in, just a quick reminder that the current Discover Cash Back Offer is still valid through December 31, 2019 and offers 5% cash back at and Wholesale Clubs. Don’t forget to […]

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Exciting Update for American Express Premier Rewards Gold Card holders

By |October 9th, 2018|

American Express are making major changes to their Premier Rewards Gold card and we want to make sure you are aware of how this will impact you.

First of all, it has been renamed to American Express(R) Gold Card. With the new name, you also have an opportunity to request a new limited edition metal […]

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New Quarter, New Great Cashback Offers

By |September 30th, 2018|

One of our personal favorite benefits that we are eagerly awaiting every quarter are the quarterly credit card cashback offers.

If you are either a Chase Freedom or Discover It credit card holder, you have some great deals in store for this upcoming quarter. We make sure to post these benefits to so you can plan […]

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Aggregation Theory and the Loyalty Industry

By |June 12th, 2018|

An article published way back in 2015 by Tom Goodwin (and a later article by Tikue Anazodo) say the following in discussing “Aggregation Theory”:

“Uber, the world’s largest taxi company, owns no vehicles. Facebook, the world’s most popular media owner, creates no content. Alibaba, the most valuable retailer, has no inventory. And Airbnb, the world’s largest […]

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Money Advice for Recent Graduates

By |June 30th, 2015|

You made it. You finished all of those last-minute papers and exams. You got the cap and gown. You walked down the aisle, and got your diploma. But now what? Maybe tomorrow you’ll wake up and go to work. Maybe that job will have something to do with your major. Maybe […]

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