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Discover Q3 Category Announced

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Anonymous
Not applicable

Re: Discover Q3 Category Announced

Awesome. I haven't used my Discover card much since getting it a few months ago as I prefer to earn points/miles...but I eat out a bit so I might have to put my restaurant spend on this.

Message 11 of 42
NRB525
Super Contributor

Re: Discover Q3 Category Announced


@CreditInspired wrote:

@Anonymous wrote:

@Anonymous wrote:

Awww yeah! Restaurants! 

 

Fine print:

Restaurant purchases are those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. Purchases made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible.


Guess that means you'd better haul out your physical Discover and plug it into the chip reader then instead of using your Apple/Android/Samsung/Google Pay or your smartphone's wallet app!


I was thinking the same thing Smiley LOL


There may be situations where one of those payment systems does not register the MCC code correctly, but they would be rare.

Remember all the hoopla when Discover joined Apple Pay? 10% back to get you to put your Discover on Apple Pay transactions? I have not experienced any situation where Apple Pay did not get a bonus on cards such as Freedom or Discover or AMEX.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 12 of 42
Anonymous
Not applicable

Re: Discover Q3 Category Announced

Very happy to see this! Thanks, Djgrolyos! Smiley Happy

Message 13 of 42
Anonymous
Not applicable

Re: Discover Q3 Category Announced


@Anonymous wrote:

Awesome. I haven't used my Discover card much since getting it a few months ago as I prefer to earn points/miles...but I eat out a bit so I might have to put my restaurant spend on this.


I do eat out a couple of times a week, though generally at inexpensive places - all-you-can-eat buffets like Great American, Golden Corral or various Chinese places (there are quite a few in my area, many of them offering teppanyaki-style grills/Mongolian BBQ), sandwich shops, Peruvian chicken (pollo a la brasa), things like that. Oddly enough, I don't actually hit "classic" fast-food joints very often; I can count the number of times I've eaten at McDonald's this year on one hand.

 

Anyway, my average bill when I do eat out, as a single guy, ranges $8 - $16 including tip when appropriate, and I almost always have paid cash, so I guess I can just put it on my Discover and cycle the cash I'd otherwise have spent into paying that down, and get the cash back into the bargain.

Message 14 of 42
CreditInspired
Community Leader
Super Contributor

Re: Discover Q3 Category Announced

I spend a helluva lot eating out and wasn't really aware of the amount until I started using check tracker. So I'll be racking up and plus I'm still in the double your cashback until January. I'm loving these CB rewards!!!


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 15 of 42
CreditCuriosity
Moderator Emeritus

Re: Discover Q3 Category Announced

A worthwhile category being eating out/bars..  Whether I use my CSR or Discover will be a tough choice though as value UR's at min 3%, but in reality alot higher.  Might give Discover some lover this coming 3rd quarter, but CSR certainly will receive alot of it without caps as well.

Message 16 of 42
Anonymous
Not applicable

Re: Discover Q3 Category Announced

Very nice! I'm now considering applying for a second Discover card to try to get that double cash back bonus for this. I spend way too much on eating out. Smiley Very Happy

Message 17 of 42
yfan
Valued Contributor

Re: Discover Q3 Category Announced

Interesting. I have to say I'm a little disappointed that Discover seems to have skipped the grocery category this year.
Message 18 of 42
CreditInspired
Community Leader
Super Contributor

Re: Discover Q3 Category Announced


@yfan wrote:
Interesting. I have to say I'm a little disappointed that Discover seems to have skipped the grocery category this year.

Hopefully, the 4th Qtr of Amazon (and more) will include groceries.


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 19 of 42
Anonymous
Not applicable

Re: Discover Q3 Category Announced

I saw that as well this morning!  I activated both.  I am about to close on a home so the home improvement thing DEFINITELY works in my favor.  I'll need yard stuff!!!

Message 20 of 42
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