Discover Cash Over.. anyone use this feature?

[Anonymous]

Has anyones used this feature of their Discover card? Not sure if I am understanding this correctly (so please clarify), but Discover will allow you to get cash back at the time of purchase-- like a debit card, but is not treated like a cash advance? The cash amount is tacked on to your purchase price on your statement? No fees or interest apply? Just pay your balance when your statement comes?

[Creditaddict]

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@Anonymous wrote:

Has anyones used this feature of their Discover card? Not sure if I am understanding this correctly (so please clarify), but Discover will allow you to get cash back at the time of purchase-- like a debit card, but is not treated like a cash advance? The cash amount is tacked on to your purchase price on your statement? No fees or interest apply? Just pay your balance when your statement comes?

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you are correct, usually this works at grocery stores, allowing you to take $40 I believe. Walmart might allow $60 if I remember correctly.

you can do this on a Walmart card also

[MarineVietVet]

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@Anonymous wrote:

Has anyones used this feature of their Discover card? Not sure if I am understanding this correctly (so please clarify), but Discover will allow you to get cash back at the time of purchase-- like a debit card, but is not treated like a cash advance? The cash amount is tacked on to your purchase price on your statement? No fees or interest apply? Just pay your balance when your statement comes?

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That's exactly how it works. I've only used this feature at Walmart and you can get cash back in increments of $20 up tp $80 at the store I go to.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

[Anonymous]

Does cash over feature qualify for any type of cash back reward?

[MarineVietVet]

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@Anonymous wrote:

Does cash over feature qualify for any type of cash back reward?

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I don't believe it does but don't hold me to that. Wait for others to chime in.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

[Anonymous]

This is interesting  ...  I've never used this future neither.   Because I taught I have to have banking acct with them to get some cash back.   If it can be count toward to the rewards program, I love to use this future.

• Get some cash back.
• Use it to pay for the balance.  *Because I do not need/use a lot of cash.
• No fee.
• No interest like Cash Advance.
• 5% Bonus Rewards

[KingAdrock]

I think I'll be trying this today, especially since grocery stores get 5% cash back until friday. So I'll find out for sure see if the cash received is counted toward your rewards balance.

[DI]

I used  it maybe 3 times.  I never have to go to the ATM machine again.  My favorite card of all times.  

[DI]

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@KingAdrock wrote:

I think I'll be trying this today, especially since grocery stores get 5% cash back until friday. So I'll find out for sure see if the cash received is counted toward your rewards balance.

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Using the cashback feature with purchases doesn't earn rewards on the amount of the cash one received.  You only receive rewards from purchases. 

[Anonymous]

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@DI wrote:

Using the cashback feature with purchases doesn't earn rewards on the amount of the cash one received.  You only receive rewards from purchases. 

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Thanks for the info DI         

So, it works same as you purchase a gift card or recharge your gift card with your cc.     Ok, I think I will use this cash back future in the emergency cash need situation.   

Thanks OP for this thread.       I learned something new.