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Contributor
lylesvegas
Posts: 92
Registered: ‎11-21-2012
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Cash back at the register ????

Hey guys, I want to pay as many bills with my cards for the rewards and what not but some of my bills like the utilities and a couple others want to charge a fee to use a credit card. I was thinking why not when at the grocery store and other stores that let you get cash back at the register get as much as I can to pay these other bills and it would be like im paying them with cards right? My only question, would my credit card issuer look at it like a cash advance??

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adavis425
Posts: 525
Registered: ‎02-14-2012
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Re: Cash back at the register ????


lylesvegas wrote:

Hey guys, I want to pay as many bills with my cards for the rewards and what not but some of my bills like the utilities and a couple others want to charge a fee to use a credit card. I was thinking why not when at the grocery store and other stores that let you get cash back at the register get as much as I can to pay these other bills and it would be like im paying them with cards right? My only question, would my credit card issuer look at it like a cash advance??


 

Walmart is the only CC issuer that I know of that doesn't treat cash back at the register as a cash advance. Perhaps someone else knows differently.  It seems your scenario wouldn't be worth the extra cost and I don't believe you get rewards on cash advances.

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Imua
Posts: 292
Registered: ‎01-17-2009
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Re: Cash back at the register ????


adavis425 wrote:
Walmart is the only CC issuer that I know of that doesn't treat cash back at the register as a cash advance. Perhaps someone else knows differently.  It seems your scenario wouldn't be worth the extra cost and I don't believe you get rewards on cash advances.

also sam's club cc (doesn't treat cash back at the register as a cash advance)

 


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Established Contributor
andre181
Posts: 628
Registered: ‎07-29-2010
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Re: Cash back at the register ????

[ Edited ]

Discover's cash over treats cash back at the register as a regular purchase, not a cash advance. Only problem is you do not earn rewards on the cash over amount.

 

Discover's money messenger cound be a possible solution. It allows you to send someone money through paypal with no fees using your discover card. You could, in theory, send some money to your husband, wife, parent, etc. via paypal, have them transfer it into their bank account, and then give you the money. You are allowed to send $400 per day, with a $1000 per month limit. Discover's money messenger earns rewards just like a standard purchase.

 

If you have the money available, you could do what I do. Our electric company recently began charging a $3.95 per transaction credit card fee, so what I did was just pay it all at once for the whole year, like $1300. That way, I was only charged one $3.95 fee, and I earned the rewards all at once. But you'd need to pay it all off to avoid interest obviously, or it would completely defeat the purpose of earning rewards.

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Regular Contributor
SisterGirl
Posts: 229
Registered: ‎11-17-2012
0

Re: Cash back at the register ????

I would be very careful using that option, even though the option is available. I would wonder if they still see the "cash" back as a "concern".

 

SisterGirl

SisterGirl
Contributor
lylesvegas
Posts: 92
Registered: ‎11-21-2012
0

Re: Cash back at the register ????

Discover money messenger........That might work !!!

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Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Cash back at the register ????

You might not get charged cash advanced fees or apr on those but it shows on your stament that you got cash back. I tried it with my discover IT card. On my stament it said

7.68 purchases
10.00 cash back

So they will deff know your using it.
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Established Member
KevinBlock55
Posts: 74
Registered: ‎07-10-2012
0

Re: Cash back at the register ????

Activate the Square and charge it to yourself :smileyhappy:
Valued Contributor
kevinjjc
Posts: 1,374
Registered: ‎01-14-2009
0

Re: Cash back at the register ????


KevinBlock55 wrote:
Activate the Square and charge it to yourself :smileyhappy:

2.75% per swipe

Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Cash back at the register ????


adavis425 wrote:

lylesvegas wrote:

Hey guys, I want to pay as many bills with my cards for the rewards and what not but some of my bills like the utilities and a couple others want to charge a fee to use a credit card. I was thinking why not when at the grocery store and other stores that let you get cash back at the register get as much as I can to pay these other bills and it would be like im paying them with cards right? My only question, would my credit card issuer look at it like a cash advance??


 

Walmart is the only CC issuer that I know of that doesn't treat cash back at the register as a cash advance. Perhaps someone else knows differently.  It seems your scenario wouldn't be worth the extra cost and I don't believe you get rewards on cash advances.


is there a way to see what your limit is on cash back at register? 

im assuming it a percentage of it.

i have a 5k limit but have never had a statement. 

so i have no idea how much "cash back" i can get

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