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[corymcd88]

I was at Sams Club today and it asked me if I wanted cash back, is that like a cash advance?

[austinguy907]

Cash back at a POS is considered a purchase.

[Anonymous]

"Your regular purchase APR applies to the cash you get and there are no hidden fees."

https://www.discover.com/credit-cards/member-benefits/cash-over-purchases.html

[Anonymous]

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@austinguy907 wrote:

Cash back at a POS is considered a purchase.

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This is probably a really dumb question, but if CB at the POS is a purchase, wouldn't getting a bunch of CB and depositing it back into your bank account (thus allowing you to do it again) allow one to artifically inflate their spend on a card for spend bonus hitting and such?

[joltdude]

Cashover at POS doesnt quite work that way.. No rewards and also does not count toward spend if i remember correctly....

Disco knows you got cashover and that part of the purchase = no rewards points.. 

[AverageJoesCredit]

Hark the credit angel sing if that was permitted MyFico would put Disco out of business

[Anonymous]

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@joltdude wrote:

Cashover at POS doesnt quite work that way.. No rewards and also does not count toward spend if i remember correctly....

Disco knows you got cashover and that part of the purchase = no rewards points.. 

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Yeah, I wouldn't have assumed one could obtain rewards that way... I just thought if it was coding a request for CB at the POS as a purchase that it could possibly go toward your spend.  It makes sense that there'd be a way that it wouldn't, though.