Questions about the Discover it card

[walterwhite]

I got a Discover it credit card offer this week and I was thinking about applying. For those that have a Discover it card, does the 5% cash back for the restaurants/gas/movies categories only work for some approved list of merchants or does it work on all transactions from the respected category? For example, can I use the card at small businesses/mom & pop restaurants and still get the 5% cash back? I'm just worried that the 5% cash back only applies to certain stores. 

Also, will there be a hard pull if I apply using the offer code? If so, which bureau does Discovery pull from?

[Creditaddict]

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@walterwhite wrote:

I got a Discover it credit card offer this week and I was thinking about applying. For those that have a Discover it card, does the 5% cash back for the restaurants/gas/movies categories only work for some approved list of merchants or does it work on all transactions from the respected category? For example, can I use the card at small businesses/mom & pop restaurants and still get the 5% cash back? I'm just worried that the 5% cash back only applies to certain stores. 

Also, will there be a hard pull if I apply using the offer code? If so, which bureau does Discovery pull from?

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As long as the merchant account is coded for "Dining" you will get the rewards and most likely they will be coded as dining... not sure how a restaurant would get a merchant account not coded for dining.

[Express]

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@walterwhite wrote:

I got a Discover it credit card offer this week and I was thinking about applying. For those that have a Discover it card, does the 5% cash back for the restaurants/gas/movies categories only work for some approved list of merchants or does it work on all transactions from the respected category? For example, can I use the card at small businesses/mom & pop restaurants and still get the 5% cash back? I'm just worried that the 5% cash back only applies to certain stores. 

Also, will there be a hard pull if I apply using the offer code? If so, which bureau does Discovery pull from?

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Yes , it will be a Hard Pull. The offer was just to get you Interested in applying for the card

Credit bureau depenting on what state your in, mine was TU

[09Lexie]

Discover usually pulls EQ or TU but of course it's a YMMV

Good luck if you decide to app.

[Zz_JC_zZ]

I live in the Midwest, Discover pulled my EQU report

[djc1puno]

Gl op! Im in cali and they pulled eq...as a rule of thumb any new app is a hp, w exception to a few places

[maiden_girl]

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@Creditaddict wrote:

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@walterwhite wrote:

I got a Discover it credit card offer this week and I was thinking about applying. For those that have a Discover it card, does the 5% cash back for the restaurants/gas/movies categories only work for some approved list of merchants or does it work on all transactions from the respected category? For example, can I use the card at small businesses/mom & pop restaurants and still get the 5% cash back? I'm just worried that the 5% cash back only applies to certain stores. 

Also, will there be a hard pull if I apply using the offer code? If so, which bureau does Discovery pull from?

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As long as the merchant account is coded for "Dining" you will get the rewards and most likely they will be coded as dining... not sure how a restaurant would get a merchant account not coded for dining.

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+1

[creditnocash]

it all depends on how the store codes the transaction. 

discover pulled eq for me in the north east (mass) 

[MissCredit9]

You should be able to get the points at ANY restaurant that accepts Discover. Keep in mind though, many restaurants and other businesses DO NOT accept discover.

[walterwhite]

Thanks for the responses.

Are there any benefits with applying using an RSVP code or is it just a marketing gimmick?