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Question about Discover and Amazon or Walmart.com gift cards?? UPDATE

Kathyups
Regular Contributor

Question about Discover and Amazon or Walmart.com gift cards?? UPDATE

So my year Discover cashback match will be up in November, and I have categories chosen on my Discover Card. Two of those categories are Amazon and Walmart.com for October, November, and December.

Can I purchase gift cards from Amazon and Walmart.com to help hit the $1500 limit for that quarter? I would be purchasing them in October for the match (since my year is up in November), and plan on using them for the Holidays.

Will Discover count gift cards toward the 5% spend (and then match it)? Has anyone ever done this?
Chapter 7 DC 10/23/18
Starting FICO 8 11/22/18

Current FICO 8 9/28/20

GOAL 680 by 12/20
Current FICO 9 7/28/20

Student loans and car payments reporting positive



Message 1 of 13
12 REPLIES 12
longtimelurker
Mega Contributor

Re: Question about Discover and Amazon or Walmart.com gift cards??


@Kathyups wrote:
So my year Discover cashback match will be up in November, and I have categories chosen on my Discover Card. Two of those categories are Amazon and Walmart.com for October, November, and December.

Can I purchase gift cards from Amazon and Walmart.com to help hit the $1500 limit for that quarter? I would be purchasing them in October for the match (since my year is up in November), and plan on using them for the Holidays.

Will Discover count gift cards toward the 5% spend (and then match it)? Has anyone ever done this?

Yes, it works, probably best to buy in smaller chunks rather than say one $1,500 purchase

Message 2 of 13
Kathyups
Regular Contributor

Re: Question about Discover and Amazon or Walmart.com gift cards??

Thanks so much!
Chapter 7 DC 10/23/18
Starting FICO 8 11/22/18

Current FICO 8 9/28/20

GOAL 680 by 12/20
Current FICO 9 7/28/20

Student loans and car payments reporting positive



Message 3 of 13
solway
Contributor

Re: Question about Discover and Amazon or Walmart.com gift cards??

I would use my Disc to buy a $1500 gift card from Amazon before I got an Amazon Card.  Amazon did call me one time to check with me if my order was valid.

Discover It - 19.1K
Citi Double Cash - 16K
AMEX BCP - 35K
Elan Financial - 24.2K
Uber - 25K
Amazon Prime Visa Sig - 9.6K
Fort Knox Platinum - 2.5K
US Bank Cash+ - 14K
Citi AAdvantage PSWE - 21.5K
Message 4 of 13
AverageJoesCredit
Community Leader
Mega Contributor

Re: Question about Discover and Amazon or Walmart.com gift cards??

I would get an Amazon card before i got a Chase cardSmiley Wink
Message 5 of 13
cr101
Established Contributor

Re: Question about Discover and Amazon or Walmart.com gift cards??

Have you purchased any and have they counted towards your rewards? Someone on this board mentioned this method for buying cards. I did skimmed the TOS and didn't find anything excluding gift cards from the match. Scared to ask a rep.

Message 6 of 13
randomguy1
Valued Contributor

Re: Question about Discover and Amazon or Walmart.com gift cards??

From what I have gathered, Discover does not participate from level 2 or 3 data from Amazon so all they would see is your merchant and dollar transaction. 

if you are paranoid, just use an odd center number to account for "taxes."


IMO, their bonuses and dollar amounts for their quarter rebate aren't high dollar enough for them to pay for that level of information or try to clawback any cash backs. The only verbiage I have seen is on their cashback debit cards. 

 

Message 7 of 13
Kathyups
Regular Contributor

Re: Question about Discover and Amazon or Walmart.com gift cards??

I have purchased Amazon cards and will be purchasing a couple of Walmart cards to give as Christmas gifts, but I do not know if they counted or not. My cashback match is up next month so I only have this month for Amazon, Target, and Walmart.

I will report back after my cashback match is calculated on my next statement (beginning of November).
Chapter 7 DC 10/23/18
Starting FICO 8 11/22/18

Current FICO 8 9/28/20

GOAL 680 by 12/20
Current FICO 9 7/28/20

Student loans and car payments reporting positive



Message 8 of 13
JNA1
Valued Contributor

Re: Question about Discover and Amazon or Walmart.com gift cards??

@Kathyups

You can check your rewards without waiting until the end of the quarter. If you go up to the top the page where you pay your bill and click on the menu button, go down to rewards, and click on 5% cash back bonus and scroll down and it will give you breakdown of all 5% and 1% for each quarter for the whole year.
My credit card journey started 3/2018


Hover over cards to see limits and usage.
Total CL - $183,950
Cash Back and SUBs earned as of 1/1/21- $4711.66

CU Memberships

Goal Cards:


Message 9 of 13
Kathyups
Regular Contributor

Re: Question about Discover and Amazon or Walmart.com gift cards??

I did that and it doesn't show anything for this quarter yet because it just started, and I just ordered the stuff last week lol
Chapter 7 DC 10/23/18
Starting FICO 8 11/22/18

Current FICO 8 9/28/20

GOAL 680 by 12/20
Current FICO 9 7/28/20

Student loans and car payments reporting positive



Message 10 of 13
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