Discover Cash Back @ Store's Pay Terminal...

Credit-hoarder · ‎01-06-2019

Since DSC was generous enough to give me a $3k CLI the other day--I decided to use the card for the 5% on groceries this quarter. When I went to run my card yesterday, it offered me the option of receiving cash-back at the pay terminal--something I didn't even know was an option...! I don't use this card for advances so I don't have my PIN memorized (not sure if I even needed it) and I didn't utilize the cash back offer. But my question is: If I had--would it have been considered a cash advance or part of the purchase?

BUSINESS

Rewards Pts.-Miles: UR-MR-TYP-Venture

Remedios · ‎01-06-2019

It's not a cash advance
You do not earn any rewards on the cashback amount, tho.

odd_dog · ‎01-06-2019

Totally cool perk, yes you can get cash and it is treated as part of a purchase, NO transaction fees or atm fees. Your regular APR applies. Does not work in all stores but they have a list don't have exact link but google discover cash over your purchase for list....

Anonymous · ‎01-06-2019

@odd_dog wrote:
Totally cool perk, yes you can get cash and it is treated as part of a purchase, NO transaction fees or atm fees. Your regular APR applies. Does not work in all stores but they have a list don't have exact link but google discover cash over your purchase for list....

Right, but as Remedios says, no rewards on the cash. So it's a time saver (don't have to go to an ATM) rather than anything particularly exciting.

Anonymous · ‎01-06-2019

@Anonymous wrote:
@odd_dog wrote:
Totally cool perk, yes you can get cash and it is treated as part of a purchase, NO transaction fees or atm fees. Your regular APR applies. Does not work in all stores but they have a list don't have exact link but google discover cash over your purchase for list....
Right, but as Remedios says, no rewards on the cash. So it's a time saver (don't have to go to an ATM) rather than anything particularly exciting.

A lot of people don’t even bother carrying their ATM/debit cards anymore and just use cash over for quick cash. If I was actually out of the house often enough to worry about it, I wouldn’t carry my debit cards either. I would advance from Navy if I needed something more than the $20-60 cash over offers but if I needed cash, a pack of gum and a cash over would suffice most of the time.

Eagered2succeed · ‎01-06-2019

Yes just noticed this when I was last at Sam's(makes sense seeing that Wal-Mart does it). Great way to get quick cash without worrying about atm fee on small amount. Another reason why discover is great :-).

Anonymous · ‎01-06-2019

@Anonymous wrote:
A lot of people don’t even bother carrying their ATM/debit cards anymore and just use cash over for quick cash. If I was actually out of the house often enough to worry about it, I wouldn’t carry my debit cards either. I would advance from Navy if I needed something more than the $20-60 cash over offers but if I needed cash, a pack of gum and a cash over would suffice most of the time.

Sure, but others do carry debt cards for things like rewards checking (and I use my Square Cash a lot). My comment was more because I am rewards focussed: if you could get rewards on the cashover, that would be exciting to me. As it is, the few times I need cash I need more than the limit, so I go to an ATM...

odd_dog · ‎01-06-2019

@Anonymous wrote:
@Anonymous wrote:
A lot of people don’t even bother carrying their ATM/debit cards anymore and just use cash over for quick cash. If I was actually out of the house often enough to worry about it, I wouldn’t carry my debit cards either. I would advance from Navy if I needed something more than the $20-60 cash over offers but if I needed cash, a pack of gum and a cash over would suffice most of the time.
Sure, but others do carry debt cards for things like rewards checking (and I use my Square Cash a lot). My comment was more because I am rewards focussed: if you could get rewards on the cashover, that would be exciting to me. As it is, the few times I need cash I need more than the limit, so I go to an ATM...

LOL well I use it as 20 bucks cash at the supermarket to buy lottery tickets, so kind of rewarding.......

Anonymous · ‎01-06-2019

@odd_dog wrote:

@Anonymous wrote:
@Anonymous wrote:
A lot of people don’t even bother carrying their ATM/debit cards anymore and just use cash over for quick cash. If I was actually out of the house often enough to worry about it, I wouldn’t carry my debit cards either. I would advance from Navy if I needed something more than the $20-60 cash over offers but if I needed cash, a pack of gum and a cash over would suffice most of the time.
Sure, but others do carry debt cards for things like rewards checking (and I use my Square Cash a lot). My comment was more because I am rewards focussed: if you could get rewards on the cashover, that would be exciting to me. As it is, the few times I need cash I need more than the limit, so I go to an ATM...
LOL well I use it as 20 bucks cash at the supermarket to buy lottery tickets, so kind of rewarding.......

Anonymous · ‎01-06-2019

@Anonymous wrote:
of people don’t even bother carrying their ATM/debit cards anymore and just use cash over for quick cash.

This is me. I just never use my debit card, so the bank eventually deactivates it over time. After about the third time of gettig it reactivated, I decided it really wasn't worth it. Being able to grab a few bucks in cash from the Discover is great for when I am out and about, and don't feel like stopping at the bank.