topic Re: Question About Discover IT Cashback in Credit Cards

Question About Discover IT Cashback

Anonymous — Tue, 23 Sep 2014 00:45:58 GMT

So for the last quarter of the Discover IT Cashback Rewards, the category will be Department Stores & Online Shopping. Now, there are also deals going on in the ShopDiscover store like 5% cashback, 10% cashback, etc. Would these deals be in addition to the set 5% cashback on the category for the quarter?

So for example, BestBuy's deal right now through ShopDiscover is 5% cashback. Is that in addition to the 5% cashback for the category of Department Stores & Online Shopping, totalling 10% cashback?

Re: Question About Discover IT Cashback

Anonymous — Tue, 23 Sep 2014 00:58:29 GMT

The more i think about how Discover does things, The more i don't like it, The fact that the card is NOT accepted in a lot of places plus the fact that you need to accumulate at least $50 to collect your Rewards makes them undesirable, in the future when i decide to close one of my accounts i think Discover will be the first one to go....

Re: Question About Discover IT Cashback

creditnocash — Tue, 23 Sep 2014 01:08:53 GMT

if i remember correctly yes it will be 10% . as long as you go through the portal to get to the online shop.

Re: Question About Discover IT Cashback

SomeGuyOnTheWeb — Tue, 23 Sep 2014 01:38:59 GMT

@Anonymous wrote:
The more i think about how Discover does things, The more i don't like it, The fact that the card is NOT accepted in a lot of places plus the fact that you need to accumulate at least $50 to collect your Rewards makes them undesirable, in the future when i decide to close one of my accounts i think Discover will be the first one to go....

I think the number of merchants who won't take Disover/AMEX is overstated. Only once did I run into an issue where a merchant didn't accept Discover, and it wasn't because he couldn't, but because he said he'd rather take another CC that doesn't high merchant charges.

Re: Question About Discover IT Cashback

Anonymous — Tue, 23 Sep 2014 01:57:27 GMT

@SomeGuyOnTheWeb wrote:
@Anonymous wrote:
The more i think about how Discover does things, The more i don't like it, The fact that the card is NOT accepted in a lot of places plus the fact that you need to accumulate at least $50 to collect your Rewards makes them undesirable, in the future when i decide to close one of my accounts i think Discover will be the first one to go....
I think the number of merchants who won't take Disover/AMEX is overstated. Only once did I run into an issue where a merchant didn't accept Discover, and it wasn't because he couldn't, but because he said he'd rather take another CC that doesn't high merchant charges.

i went to pay for a Metro Pcs bill and they do NOT take Discover, i went to eat at Pollo Tropical Franchise Restaurants and they do NOT take Discover.............Discover needs to step up their game, Metro Pcs has MILLIONS of Customers as well as Pollo Tropical does too, Discover is messing up and missing out....

Re: Question About Discover IT Cashback

SomeGuyOnTheWeb — Tue, 23 Sep 2014 02:02:14 GMT

@Anonymous wrote:
@SomeGuyOnTheWeb wrote:
@Anonymous wrote:
The more i think about how Discover does things, The more i don't like it, The fact that the card is NOT accepted in a lot of places plus the fact that you need to accumulate at least $50 to collect your Rewards makes them undesirable, in the future when i decide to close one of my accounts i think Discover will be the first one to go....
I think the number of merchants who won't take Disover/AMEX is overstated. Only once did I run into an issue where a merchant didn't accept Discover, and it wasn't because he couldn't, but because he said he'd rather take another CC that doesn't high merchant charges.
i went to pay for a Metro Pcs bill and they do NOT take Discover, i went to eat at Pollo Tropical Franchise Restaurants and they do NOT take Discover.............Discover needs to step up their game, Metro Pcs has MILLIONS of Customers as well as Pollo Tropical does too, Discover is messing up and missing out....

Truthfully, I haven't tried using my Discover at PT, nor do I have Metro, so I'll have to take your word for it.

Re: Question About Discover IT Cashback

creditnocash — Tue, 23 Sep 2014 02:03:14 GMT

@Anonymous wrote:
@SomeGuyOnTheWeb wrote:
@Anonymous wrote:
The more i think about how Discover does things, The more i don't like it, The fact that the card is NOT accepted in a lot of places plus the fact that you need to accumulate at least $50 to collect your Rewards makes them undesirable, in the future when i decide to close one of my accounts i think Discover will be the first one to go....
I think the number of merchants who won't take Disover/AMEX is overstated. Only once did I run into an issue where a merchant didn't accept Discover, and it wasn't because he couldn't, but because he said he'd rather take another CC that doesn't high merchant charges.
i went to pay for a Metro Pcs bill and they do NOT take Discover, i went to eat at Pollo Tropical Franchise Restaurants and they do NOT take Discover.............Discover needs to step up their game, Metro Pcs has MILLIONS of Customers as well as Pollo Tropical does too, Discover is messing up and missing out....

any area, has networks they don't take.

i haven't been to one place that has declined my discover. while some places i've been to don't take amex .

its all in the area/shop youre in.

Re: Question About Discover IT Cashback

Anonymous — Tue, 23 Sep 2014 02:37:25 GMT

@Anonymous wrote:
So for the last quarter of the Discover IT Cashback Rewards, the category will be Department Stores & Online Shopping. Now, there are also deals going on in the ShopDiscover store like 5% cashback, 10% cashback, etc. Would these deals be in addition to the set 5% cashback on the category for the quarter?

So for example, BestBuy's deal right now through ShopDiscover is 5% cashback. Is that in addition to the 5% cashback for the category of Department Stores & Online Shopping, totalling 10% cashback?

I believe you would get whatever deal was being offered through ShopDiscover in addition to the 5% for the category of Department Stores & Online Shopping. Good way to earn cash back.

Re: Question About Discover IT Cashback

yfan — Tue, 23 Sep 2014 04:00:53 GMT

@Anonymous wrote:
The more i think about how Discover does things, The more i don't like it, The fact that the card is NOT accepted in a lot of places plus the fact that you need to accumulate at least $50 to collect your Rewards makes them undesirable, in the future when i decide to close one of my accounts i think Discover will be the first one to go....

This is not quite true. You can redeem your rewards with as little as $20, if you buy gift cards. Lots of $25 partner gift cards are available for $20 in cashback.

Re: Question About Discover IT Cashback

yfan — Tue, 23 Sep 2014 04:09:01 GMT

@Anonymous wrote:

i went to pay for a Metro Pcs bill and they do NOT take Discover, i went to eat at Pollo Tropical Franchise Restaurants and they do NOT take Discover.............Discover needs to step up their game, Metro Pcs has MILLIONS of Customers as well as Pollo Tropical does too, Discover is messing up and missing out....

Well... you could always pick and choose. Sam's Club, for example, accepts Discover but not Visa! Does that mean Visa has an acceptance problem or that it needs to "step up its game"? I doubt too many people will say that.

It's possible that for your usage, Discover is not a good fit. But it's a jump from that to the generalization that Discover has problems.

Re: Question About Discover IT Cashback

Anonymous — Tue, 23 Sep 2014 04:34:13 GMT

@yfan wrote:
@Anonymous wrote:
The more i think about how Discover does things, The more i don't like it, The fact that the card is NOT accepted in a lot of places plus the fact that you need to accumulate at least $50 to collect your Rewards makes them undesirable, in the future when i decide to close one of my accounts i think Discover will be the first one to go....
This is not quite true. You can redeem your rewards with as little as $20, if you buy gift cards. Lots of $25 partner gift cards are available for $20 in cashback.

And if you buy stuff at Amazon, you can redeem Discover rewards there starting as little as a few cents. So, that makes their reward redemption immediate, unless you don't buy from Amazon.

Re: Question About Discover IT Cashback

Ghoshida — Tue, 23 Sep 2014 04:46:44 GMT

@Anonymous wrote:
So for the last quarter of the Discover IT Cashback Rewards, the category will be Department Stores & Online Shopping. Now, there are also deals going on in the ShopDiscover store like 5% cashback, 10% cashback, etc. Would these deals be in addition to the set 5% cashback on the category for the quarter?

So for example, BestBuy's deal right now through ShopDiscover is 5% cashback. Is that in addition to the 5% cashback for the category of Department Stores & Online Shopping, totalling 10% cashback?

You can stack up ShopDiscover points. E.g. if Nordstrom.com is generally offering 5% through ShopDiscover, and 5% extra for festive season, and you get 5% from quarterly bonus on online shopping, you'll get 15% total CB. However it is only on net spend, not tax+shipping (as per ShopDiscover rules). On tax+shipping, you will get the 5% quarterly bonus only.

https://www.discover.com/credit-cards/help-center/faqs/shopdiscover-CBB.html#q6

Re: Question About Discover IT Cashback

Jaylima91 — Tue, 23 Sep 2014 04:50:32 GMT

I have had no acceptance issues with my Discover. Matter of fact I was in the Bahamas 2 weeks ago on vacation and Discover was my primary card. With their excellent CS and 2% back with every international purchase. Can't go wrong with that. Even small merchants within the town of Nassau accepted Discover. Discover has always treated me well, therefore I give them business. We both remain happy campers.

Re: Question About Discover IT Cashback

Anonymous — Tue, 23 Sep 2014 04:54:12 GMT

@Jaylima91 wrote:
I have had no acceptance issues with my Discover. Matter of fact I was in the Bahamas 2 weeks ago on vacation and Discover was my primary card. With their excellent CS and 2% back with every international purchase. Can't go wrong with that. Even small merchants within the town of Nassau accepted Discover. Discover has always treated me well, therefore I give them business. We both remain happy campers.

2% international purchases? What Discover was this? Chrome?

Re: Question About Discover IT Cashback

Jaylima91 — Tue, 23 Sep 2014 04:58:32 GMT

No I don't have the Chrome version. Discover IT. Back in March Discover offered me 2% back with every international purchase until the end of December 2014. I believe it's for the first $1500 in purchases but that's perfect for me as I don't go international too often. Call Discover and they should still have that offer.

Re: Question About Discover IT Cashback

Jaylima91 — Tue, 23 Sep 2014 05:00:23 GMT

They may not have that offer though. I called before I went to the Bahamas to confirm I still had the offer on my account and she didn't know what I was talking about until she checked my Cashback Bonus offers and saw i signed up for it back in March.

Re: Question About Discover IT Cashback

Anonymous — Tue, 23 Sep 2014 05:04:50 GMT

@Jaylima91 wrote:
They may not have that offer though. I called before I went to the Bahamas to confirm I still had the offer on my account and she didn't know what I was talking about until she checked my Cashback Bonus offers and saw i signed up for it back in March.

Unfortunately, there are no Bahamas trips in my near future, but it's good info to have for the future. I would never have thought of checking Discover offers for international trips, until now. Thanks.

Re: Question About Discover IT Cashback

Jaylima91 — Tue, 23 Sep 2014 05:12:08 GMT

Anytime. I used to always check Discover Deals until I called one day and they told me I should call them occasionally because sometimes they have deals over the phone that don't show up in their Deals page. So since then I just call them up for the latest cashback deals.

Re: Question About Discover IT Cashback

Anonymous — Tue, 23 Sep 2014 05:13:40 GMT

On acceptance, see this recent piece from WSJ: Discover (in the US) close to V/MC

http://blogs.wsj.com/totalreturn/2014/08/28/discover-credit-card-has-risen-in-rankings-and-acceptance/

Re: Question About Discover IT Cashback

Jaylima91 — Tue, 23 Sep 2014 05:18:54 GMT

@longtimelurker nice find. Accurately dictates the rapid growth Discover has gone through.