topic Re: Discover 10% or $12% off gift cards in Credit Cards

Discover 10% or $12% off gift cards

DeadSpider — Wed, 03 Oct 2012 19:43:23 GMT

I was thinking since this quarter is 5% off all online store and DiscoverShop gives you 5% that's total of 10% to buy Walmart gift cards and use them at Sams Club/Sams Gas !!!

Oct 6th 2% + 5% + 5% =12% giftcards at Walmart or any online ShopDiscover.

It should work right ????

Re: Discover 10% or $12% off gift cards

SwampSystems — Wed, 03 Oct 2012 19:48:17 GMT

No. If you read the ShopDiscover terms for Walmart, it specifically says it does not cover gift cards. And the 5% quarterly bonus does not apply to purchases "made at warehouse clubs, wholesale distributors, or discount stores" which includes Walmart.

Re: Discover 10% or $12% off gift cards

DeadSpider — Wed, 03 Oct 2012 19:49:26 GMT

Buzz killer LOL

Re: Discover 10% or $12% off gift cards

SwampSystems — Wed, 03 Oct 2012 22:36:29 GMT

The best way to do it is buy Walmart gift cards at a gas station when Discover is doing a 5% gas quarter, and then use the gift cards when Walmart does the 10 cent gas rollback. The hardest part is finding a gas station that sells Walmart gift cards.

Re: Discover 10% or $12% off gift cards

wealthcreator — Wed, 03 Oct 2012 23:01:23 GMT

SwampSystems wrote:
No. If you read the ShopDiscover terms for Walmart, it specifically says it does not cover gift cards. And the 5% quarterly bonus does not apply to purchases "made at warehouse clubs, wholesale distributors, or discount stores" which includes Walmart.

Does this mean all stores come under this category ? If we choose target, jcp, old navy or macys ??

Re: Discover 10% or $12% off gift cards

SwampSystems — Thu, 04 Oct 2012 00:04:43 GMT

wealthcreator wrote:
SwampSystems wrote:
No. If you read the ShopDiscover terms for Walmart, it specifically says it does not cover gift cards. And the 5% quarterly bonus does not apply to purchases "made at warehouse clubs, wholesale distributors, or discount stores" which includes Walmart.
Does this mean all stores come under this category ? If we choose target, jcp, old navy or macys ??

It depends on how the purchase is coded. All of those places are also on ShopDiscover. If you have made a purchase at one of them in the past, find it in your transaction history, click the arrow icon next to it to see more information, and look for the Merchant Category Description. Walmart shows up as "DISCOUNT STORES." Sam's Club shows up as "WHOLESALE CLUBS." SuperTarget shows up as "GROCERY STORES AND SUPERMARKETS." Not sure how regular Target shows up, but I would guess it would be the same as Walmart.

Re: Discover 10% or $12% off gift cards

alboto — Thu, 04 Oct 2012 00:08:56 GMT

Jcp and macys are under department stores category

Re: Discover 10% or $12% off gift cards

scientifics — Thu, 04 Oct 2012 11:26:36 GMT

SwampSystems wrote:
The best way to do it is buy Walmart gift cards at a gas station when Discover is doing a 5% gas quarter, and then use the gift cards when Walmart does the 10 cent gas rollback. The hardest part is finding a gas station that sells Walmart gift cards.

The 5% gas is only for gas purchased at the pump, so this wouldn't work either!

Re: Discover 10% or $12% off gift cards

scientifics — Thu, 04 Oct 2012 11:27:11 GMT

wealthcreator wrote:
SwampSystems wrote:
No. If you read the ShopDiscover terms for Walmart, it specifically says it does not cover gift cards. And the 5% quarterly bonus does not apply to purchases "made at warehouse clubs, wholesale distributors, or discount stores" which includes Walmart.
Does this mean all stores come under this category ? If we choose target, jcp, old navy or macys ??

Macys and JCP wre department stores. Stores like Target and Old Navy aren't.

Re: Discover 10% or $12% off gift cards

flowfaster — Thu, 04 Oct 2012 11:40:36 GMT

scientifics wrote:
SwampSystems wrote:
The best way to do it is buy Walmart gift cards at a gas station when Discover is doing a 5% gas quarter, and then use the gift cards when Walmart does the 10 cent gas rollback. The hardest part is finding a gas station that sells Walmart gift cards.
The 5% gas is only for gas purchased at the pump, so this wouldn't work either!

This is wrong. It is 5% back on anything purchased at a gas station. No where does it say "at the pump". I have even contacted CS about this and they say it's anything at a gas station ie chips, soda and beer.

Re: Discover 10% or $12% off gift cards

Default4 — Thu, 04 Oct 2012 11:42:54 GMT

scientifics wrote:
SwampSystems wrote:
The best way to do it is buy Walmart gift cards at a gas station when Discover is doing a 5% gas quarter, and then use the gift cards when Walmart does the 10 cent gas rollback. The hardest part is finding a gas station that sells Walmart gift cards.
The 5% gas is only for gas purchased at the pump, so this wouldn't work either!

That actually depends on how the station has everything set up. The charges at the gas station I usually go to make no distinction between paying at the pump or inside. I got 5% back on everything I bought there.

Flowfaster- We must have posted at the same time. I had talked to a csr as well and they told me it was at the pump only...

Re: Discover 10% or $12% off gift cards

RyVision — Thu, 04 Oct 2012 12:45:17 GMT

I had asked DM reps about the 5% gas station rules. They said as long as it codes as a gas station, you can also check our list online (IIRC), and I did, there was a loooong list and it has some fine print of adding others not on the list due to coding. No mention of having to pay at the pump. Again IIRC, I think both DM and Chase have such lists with similar small print.

I wonder if a lot of people confuse PenFeds pay at the pump 5% rule with other cards 5% rules (BTW, Chase 5% on gas seems to work the same way as DM, it's not pay at the pump either).

Re: Discover 10% or $12% off gift cards

SwampSystems — Thu, 04 Oct 2012 19:35:04 GMT

scientifics wrote:
SwampSystems wrote:
The best way to do it is buy Walmart gift cards at a gas station when Discover is doing a 5% gas quarter, and then use the gift cards when Walmart does the 10 cent gas rollback. The hardest part is finding a gas station that sells Walmart gift cards.
The 5% gas is only for gas purchased at the pump, so this wouldn't work either!

Did you not see the commercial?

Re: Discover 10% or $12% off gift cards

alboto — Fri, 05 Oct 2012 00:06:00 GMT

SwampSystems wrote:
scientifics wrote:
SwampSystems wrote:
The best way to do it is buy Walmart gift cards at a gas station when Discover is doing a 5% gas quarter, and then use the gift cards when Walmart does the 10 cent gas rollback. The hardest part is finding a gas station that sells Walmart gift cards.
The 5% gas is only for gas purchased at the pump, so this wouldn't work either!
Did you not see the commercial?

If in doubt, just watch the commercial.