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Do you need a PIN for cash back at checkout with Discover?

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crystal626
Frequent Contributor
‎02-20-2023 07:23 PM
‎02-20-2023 07:23 PM

Do you need a PIN for cash back at checkout with Discover?

I was reading that Discover allows you to take cash back at grocery stores when checking out without a cash advance fee and I see my grocery store is on the list but when I tried to take $20, it asked me for my PIN. Is that normal? I don't want to do it if I'm going to get a fee but I could use this every once in awhile as there are places I go that don't take cards and I don't want to pay an ATM fee either.

7/21

EX8 744
EQ8 769
TU8 776

26 cards TCL $277,750 ACL $10,682
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ZackAttack
Established Contributor
‎02-20-2023 08:52 PM
‎02-20-2023 08:52 PM

Re: Do you need a PIN for cash back at checkout with Discover?

It is called Cash Back at Grocery stories. https://www.discover.com/credit-cards/member-benefits/cash-over-purchases.html

 

As far as I have seen it with Kroger and Meijer the Discover Credit Card will ask if you want any cashback, assuming that the merchant doesn't have a limit and/or used all the limit in a matter of hours. With it I haven't seen it asking for a pin number to be asked ... it is possible that the card terminal may have read your Discover card wrong.

 

Was the card you using credit, yeah???

MSGCU Rewards | $10.5kDiscover Cash It | $10kAmex BCE | $15kBest Buy Visa | $20kChase Freedom Flex | $8kDCU Platinum | $8kNFCU Flagship | $73kAffinity FCU Cash Rewards | $7kAmazon Prime | 12.5kChase Unlimited | 16.4kUSAA Cashback Rewards Plus Amex | 10kAmex Business Cash | 10k


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crystal626
Frequent Contributor
‎02-21-2023 01:05 AM
‎02-21-2023 01:05 AM

Re: Do you need a PIN for cash back at checkout with Discover?

Yeah it was my Discover credit card. I was checking out, tapped my card, it asked me I wanted cash back, I chose $20, and it asked for a PIN. I set one up the other night but thinking about it now, it just didn't seem right. This was a Kroger family store that's on the list on the website. 

7/21

EX8 744
EQ8 769
TU8 776

26 cards TCL $277,750 ACL $10,682
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Hex
Valued Contributor
‎02-21-2023 04:28 AM
‎02-21-2023 04:28 AM

Re: Do you need a PIN for cash back at checkout with Discover?

I don't think so. I've gotten cashback before and I didn't even know they have PINs for Disco. 

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ZackAttack
Established Contributor
‎02-21-2023 11:20 AM
‎02-21-2023 11:20 AM

Re: Do you need a PIN for cash back at checkout with Discover?

@crystal626 wrote:

Yeah it was my Discover credit card. I was checking out, tapped my card, it asked me I wanted cash back, I chose $20, and it asked for a PIN. I set one up the other night but thinking about it now, it just didn't seem right. This was a Kroger family store that's on the list on the website. 

Sounds like the card terminal or store may have gotten confused about what type of card it is when it was being used.

MSGCU Rewards | $10.5kDiscover Cash It | $10kAmex BCE | $15kBest Buy Visa | $20kChase Freedom Flex | $8kDCU Platinum | $8kNFCU Flagship | $73kAffinity FCU Cash Rewards | $7kAmazon Prime | 12.5kChase Unlimited | 16.4kUSAA Cashback Rewards Plus Amex | 10kAmex Business Cash | 10k


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crystal626
Frequent Contributor
‎02-21-2023 12:45 PM
‎02-21-2023 12:45 PM

Re: Do you need a PIN for cash back at checkout with Discover?

Thanks for the info everyone. I will just have to try again some time. 

7/21

EX8 744
EQ8 769
TU8 776

26 cards TCL $277,750 ACL $10,682
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ptatohed
Senior Contributor
‎02-21-2023 03:05 PM
‎02-21-2023 03:05 PM

Re: Do you need a PIN for cash back at checkout with Discover?

I assume you don't earn cash back on this cash withdrawal?  

[Until I can make a pretty signature, here’s an updated draft]

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5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
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ZackAttack
Established Contributor
‎02-21-2023 04:01 PM
‎02-21-2023 04:01 PM

Re: Do you need a PIN for cash back at checkout with Discover?

@ptatohed wrote:

I assume you don't earn cash back on this cash withdrawal?  

The benefit doesn't give cash back. When it does post it will list the original purchase of $X and will include the cash back of $X.

 

But that Cash Back is on the standard APR not the CA APR.

 

Screenshot 2023-02-21 190217.png

MSGCU Rewards | $10.5kDiscover Cash It | $10kAmex BCE | $15kBest Buy Visa | $20kChase Freedom Flex | $8kDCU Platinum | $8kNFCU Flagship | $73kAffinity FCU Cash Rewards | $7kAmazon Prime | 12.5kChase Unlimited | 16.4kUSAA Cashback Rewards Plus Amex | 10kAmex Business Cash | 10k


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ZackAttack
Established Contributor
‎02-21-2023 04:05 PM
‎02-21-2023 04:05 PM

Re: Do you need a PIN for cash back at checkout with Discover?

@crystal626 wrote:

Thanks for the info everyone. I will just have to try again some time. 

It's not unheard of ... Just the other day I did Samsung Pay with my Chase Unlimited @ Kroger and the system mistook it for a Food Bank EBT card.

MSGCU Rewards | $10.5kDiscover Cash It | $10kAmex BCE | $15kBest Buy Visa | $20kChase Freedom Flex | $8kDCU Platinum | $8kNFCU Flagship | $73kAffinity FCU Cash Rewards | $7kAmazon Prime | 12.5kChase Unlimited | 16.4kUSAA Cashback Rewards Plus Amex | 10kAmex Business Cash | 10k


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reluctantgarden
Frequent Contributor
‎02-21-2023 05:48 PM
‎02-21-2023 05:48 PM

Re: Do you need a PIN for cash back at checkout with Discover?

Just as a DP, at Winn-Dixie a pin is required, and it's not an option at self-service checkout.

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