Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 1,599
Registered: ‎11-10-2012
0

Discover 5% Category

Hello all...do you think buying tools at Sears or Harbor Freight qualifies for the 5% home improvement category or does it have to be stores like Lowe's, Ace or Home Depot? I just bought a bunch of tools, so I hope so...lol!

 photo Logo - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Frequent Contributor
Posts: 390
Registered: ‎03-24-2013
0

Re: Discover 5% Category

Pretty sure Sears is considered a department store. Had you ordered the tools online, I think Sears is a ShopDiscover partner.



|| Barclaycard Rewards Visa $5500 || AMEX BCE $2000 || Discover IT $3000 || Amazon Rewards Visa $1800 ||
|| Chase Freedom $2700 || CSP $5000 || Chase Marriott Premier $7500 || Sallie Mae MC $3800 ||

FICO Scores: EX 752 (3/13/13) || EQ 782 (10/4/13) || TU 724 (1/18/13)

In the garden as of 10/12/2013
Regular Contributor
Posts: 243
Registered: ‎02-20-2013
0

Re: Discover 5% Category

What about plant nurseries?  Would they qualify for the 5% category?

Valued Contributor
Posts: 1,897
Registered: ‎01-23-2013
0

Re: Discover 5% Category


fittiger wrote:

What about plant nurseries?  Would they qualify for the 5% category?


Plant nurseries almost certainly do.

 

Home improvement doesn't have to be Home Depot or Lowes. Anything coded as a hardware store, paint store, or garden store also qualifies.

 

The fine print on the 5% category will tell you what codings qualify. Then you can check the codings of the businesses you're considering shopping at online:

 

http://visa.via.infonow.net/locator/usa/supplier/

 

Frequent Contributor
Posts: 279
Registered: ‎12-26-2012
0

Re: Discover 5% Category

Anyone know how furniture stores are coded? I wonder if I could pay off an account I have at Badcock with my discover and get the 5%.

My payments always show as a purchase, and I was going to pay it off, so I figured why not pay it off with Discover and when it posts prior to statement, then just pay off Discover and get the bonus.

I own $1500 on furniture and that would cover the Discover promo.

Thanks for any info.

Currently "freezing" in the garden!
Blogger
Posts: 3,367
Registered: ‎10-19-2012
0

Re: Discover 5% Category


Gunnar419 wrote:

fittiger wrote:

What about plant nurseries?  Would they qualify for the 5% category?


Plant nurseries almost certainly do.

 

Home improvement doesn't have to be Home Depot or Lowes. Anything coded as a hardware store, paint store, or garden store also qualifies.

 

The fine print on the 5% category will tell you what codings qualify. Then you can check the codings of the businesses you're considering shopping at online:

 

http://visa.via.infonow.net/locator/usa/supplier/

 


+1

 

New Contributor
Posts: 121
Registered: ‎02-26-2013
0

Re: Discover 5% Category


Gunnar419 wrote:

fittiger wrote:

What about plant nurseries?  Would they qualify for the 5% category?


Plant nurseries almost certainly do.

 

Home improvement doesn't have to be Home Depot or Lowes. Anything coded as a hardware store, paint store, or garden store also qualifies.

 

The fine print on the 5% category will tell you what codings qualify. Then you can check the codings of the businesses you're considering shopping at online:

 

http://visa.via.infonow.net/locator/usa/supplier/

 


considering that Amex doesn't use the same classifications as Visa, would Discover go by MCC codes? Lol, you love that site xD It is very nifty.

TU: 730 (Lender Pull) ; EQ: 738 (MyFico)
Age:21
Barclay's Sallie Mae 5% Mastercard $1k(4/2013)- My main beach
Chase Freedom $3k (3/2013) - My side beach
Amex BCE $6k (3/2013) - When I feel like a boss
Crapital One Platinum $750 (2/2010) - When I feel like a n00b
Highlighted
Blogger
Posts: 3,367
Registered: ‎10-19-2012
0

Re: Discover 5% Category


tatterz wrote:

Gunnar419 wrote:

fittiger wrote:

What about plant nurseries?  Would they qualify for the 5% category?


Plant nurseries almost certainly do.

 

Home improvement doesn't have to be Home Depot or Lowes. Anything coded as a hardware store, paint store, or garden store also qualifies.

 

The fine print on the 5% category will tell you what codings qualify. Then you can check the codings of the businesses you're considering shopping at online:

 

http://visa.via.infonow.net/locator/usa/supplier/

 


considering that Amex doesn't use the same classifications as Visa, would Discover go by MCC codes? Lol, you love that site xD It is very nifty.


Are you sure about that? To my knowledge Amex uses the merchant codes used by IRS Revenue Procedure 2004-43 to classify businesses by specific market segments.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.