Discover Cardholders: Clarification of Cashback

[Anonymous]

*(This initial post does not include the double cash back bonus deal.)*

I know this is not that big of a deal, but I thought it would be nice to clarify how cash back is earned. I've been seeing a lot of people tack on the 1% to cash back earnings. 

For example, I see people saying they will receive 11%* from using Apple Pay. 

This is completely incorrect. It would only be 10%. Once again, I know it isn't that much of a difference, but I just wanted to let everyone know that it is not stackable. The same would go for 5% categories. You would only be earning 5% cashback, not 6%. (1% extra is regarding the 1% back on all transactions)

However, 5% categories and the 10% Apple pay cash back do stack. You would be getting 15%* if you bought something from a department store (or any 5% category) through Apple pay.

The sole purpose of this thread was only to inform some people, as I'm sure others have known that the 1% is not stackable. .

Just trying to clear the air about this. 

Here is a chat I had with a representative: 

[JagerBombs89]

That is inconsistent with what they are posting on their website:

Earn an extra 10% Cashback Bonus on up to $10,000 of in-store purchases when you use your Discover card with Apple Pay now through 12/31/15. Excludes gift card purchases. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for more information.

https://www.discover.com/credit-cards/help-center/faqs/apple-pay.html#q24

[Anonymous]

From my understanding you gain the normal 1 or 5% on your purchases as you already did at statement cut, and if you used Apple Pay you get another 10% 1 to 2 statements later.

[Anonymous]

According to their website and a telephone call I made ... after a one year period, Discover would add 1% to all earnings of record during the one year period.

[takeshi74]

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@Anonymous wrote:

Here is a chat I had with a representative: 

Always be very careful relying on a rep.  If it comes to a rep versus the terms/FAQ I'd probably take the terms/FAQ.

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@Anonymous wrote:

The same would go for 5% categories. You would only be earning 5% cashback, not 6%. (1% extra is regarding the 1% back on all transactions)

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5%/1% and the Apple Pay promo are different according to the terms.  Link to the Apple Pay FAQ is above.  The standard terms are avaialble at:

https://www.discover.com/credit-cards/consumerDIT_terms.pdf

The terms above state that 5% is earned on the quarterly categories and that all other purchases are 1% (.i.e it's either/or).

[Anonymous]

OP, clearly you were given wrong information.  Good reason why you have to be careful about making posts that declare something to be definitive based on a chat with a CSR.  In the future it would be better to ask here first to get a clarification.

[Anonymous]

The terms will trump what a CSR says.

[kdm31091]

I think you are making this more confusing than it needs to be. The terms are pretty clear about how this all works to be honest, and making a definitive statement based on a chat can be sketchy, like Irish says.