Question About Discover IT Cashback

[barbaralee]

Wow, they are almost equal to visa and mc! I remember years back I had a Discover More for about a day. I was living in a very small town at the time and it was accepted almost no where. I canceled the card, it was just getting no use. I have since moved to a capital city and got the Discover It. I have not run into any issues of merchants accepting the card, except during my stay here in Europe. We will be heading to Austria in a few days and CSR told me they have a strong presence in Austria. We shall see.

[joedtx]

---

@Anonymous wrote:

---

@SomeGuyOnTheWeb wrote:

---

@Anonymous wrote:

The more i think about how Discover does things, The more i don't like it, The fact that the card is NOT accepted in a lot of places plus the fact that you need to accumulate at  least $50 to collect your Rewards makes them undesirable, in the future when i decide to close one of my accounts i think Discover will be the first one to go....

---

I think the number of merchants who won't take Disover/AMEX is overstated. Only once did I run into an issue where a merchant didn't accept Discover, and it wasn't because he couldn't, but because he said he'd rather take another CC that doesn't high merchant charges.

---

i went to pay for a Metro Pcs bill and they do NOT take Discover, i went to eat at Pollo Tropical Franchise Restaurants and they do NOT take Discover.............Discover needs to step up their game, Metro Pcs has MILLIONS of Customers as well as Pollo Tropical does too, Discover is messing up and missing out....

---

Actually that sounds like that could be a thread unto itself "Which Merchant's Major & Non Major that don't take Discover" 

[Anonymous]

---

@yfan wrote:

---

@Anonymous wrote:

The more i think about how Discover does things, The more i don't like it, The fact that the card is NOT accepted in a lot of places plus the fact that you need to accumulate at  least $50 to collect your Rewards makes them undesirable, in the future when i decide to close one of my accounts i think Discover will be the first one to go....

---

This is not quite true. You can redeem your rewards with as little as $20, if you buy gift cards. Lots of $25 partner gift cards are available for $20 in cashback.

---

i did NOT know that, good to know

[Anonymous]

---

@Anonymous wrote:

---

@yfan wrote:

---

@Anonymous wrote:

The more i think about how Discover does things, The more i don't like it, The fact that the card is NOT accepted in a lot of places plus the fact that you need to accumulate at  least $50 to collect your Rewards makes them undesirable, in the future when i decide to close one of my accounts i think Discover will be the first one to go....

---

This is not quite true. You can redeem your rewards with as little as $20, if you buy gift cards. Lots of $25 partner gift cards are available for $20 in cashback.

---

And if you buy stuff at Amazon, you can redeem Discover rewards there starting as little as a few cents.  So, that makes their reward redemption immediate, unless you don't buy from Amazon.

---

Great  info

[Anonymous]

---

@yfan wrote:

---

@Anonymous wrote:

i went to pay for a Metro Pcs bill and they do NOT take Discover, i went to eat at Pollo Tropical Franchise Restaurants and they do NOT take Discover.............Discover needs to step up their game, Metro Pcs has MILLIONS of Customers as well as Pollo Tropical does too, Discover is messing up and missing out....

---

Well... you could always pick and choose. Sam's Club, for example, accepts Discover but not Visa! Does that mean Visa has an acceptance problem or that it needs to "step up its game"? I doubt too many people will say that.

It's possible that for your usage, Discover is not a good fit. But it's a jump from that to the generalization that Discover has problems.

---

i have never been to a SAM'S Club but if they don't take Visa, That's crazy, All  i have is Visa and Discover, NO Mastercards, Time to get some Mastercards

[Anonymous]

I think there are more and more places accepting discover now, only places that doesn't accept them are like tiny mom and pop stores. I heard amex and discover charge merchants tons of money, so if it's tiny stores I'll just use my visa or master cards.

and also about europe, you won't see "Discover" sign anywhere, but you'll see Diners Club, that's the place you can use your discover card.

[taxi818]

---

@Anonymous wrote:

The more i think about how Discover does things, The more i don't like it, The fact that the card is NOT accepted in a lot of places plus the fact that you need to accumulate at  least $50 to collect your Rewards makes them undesirable, in the future when i decide to close one of my accounts i think Discover will be the first one to go....

---

Well I'm in Florida. I've yet to find a place that. does not accept.   I could see if you are in boonies on hills

[kevinjjc]

---

@Anonymous wrote:

So for the last quarter of the Discover IT Cashback Rewards, the category will be Department Stores & Online Shopping. Now, there are also deals going on in the ShopDiscover store like 5% cashback, 10% cashback, etc. Would these deals be in addition to the set 5% cashback on the category for the quarter?

So for example, BestBuy's deal right now through ShopDiscover is 5% cashback. Is that in addition to the 5% cashback for the category of Department Stores & Online Shopping, totalling 10% cashback? 

---

I don't think Best Buy is considered a department store, but it qualifies for the online shopping. This means Best Buy in-store purchases will not count for the 5% cashback. It's probably a moot point since you mentioned ShopDiscover, which means you plan on shopping online.

[taxi818]

Yes. Online is online. In other words they are not going to give you an additional 5% because you did it thru shop discover. Would be nice.

[Anonymous]

---

@taxi818 wrote:
Yes. Online is online. In other words they are not going to give you an additional 5% because you did it thru shop discover. Would be nice.

---

But, of course they are.  If Best Buy has a 5% at the ShopDiscover portal, and you use the Discover It card, you get ANOTHER 5%, for a total of 10%.  That's what I got last year, I don't see why it wouldn't work this one.