Targeted Discover Offer?

Titans84 · ‎10-24-2023

Received this offer from Discover via email earlier today (10/24). Spend on my card has been low in the last few months. I always seem to get these after weeks of little to no use of the card.

Current FICO 8:

US Bank Cash+ (PC from Perks+) | 05/2007 | $10,000

AMEX Blue Cash Preferred (PC from Blue) | 09/2008 | $25,000

US Bank Cash+ (PC from Platinum) | 12/2014 | $20,000

Goldman Sachs' Apple Card | 08/2019 | $28,000

Chase Freedom Unlimited | 09/2019 | $16,000

Elan Max Cash Preferred | 05/2021 | $25,000

FNBO Evergreen Rewards | 07/2021 | $25,000

Affinity FCU Cash Rewards | 04/2022 | $32,500

US Bank Altitude Connect (PC from Altitude Reserve) | 09/2023 | $15,000

Chase Sapphire Preferred | 05/2024 | $23,000

Bank of America Premium Rewards | 04/2025 | $22,500

CreditCuriosity · ‎10-24-2023

certainly targeted. enjoy

ptatohed · ‎10-24-2023

Nice. So I assume the "Extra 6%" would mean 7% total? Very cool.

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

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

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:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

M_Smart007 · ‎10-24-2023

Nice offer.

Has to be targeted ...as I got nada on either Disco card

Titans84 · ‎10-24-2023

@ptatohed wrote:
Nice. So I assume the "Extra 6%" would mean 7% total? Very cool.

No, it would be 6% on grocery spend up to $1,000 max.

This offer is separate from the quarterly categories of Target and Amazon. Those are still 5% back up to $1,500 max.

The "extra" is just pointing out that this offer is in addition to the quarterly categories.

Current FICO 8:

FireMedic1 · ‎10-24-2023

Nice. Me no get. Yet.

BK Free Aug25

elboullee · ‎10-24-2023

@Titans84 wrote:
@ptatohed wrote:
Nice. So I assume the "Extra 6%" would mean 7% total? Very cool.
No, it would be 6% on grocery spend up to $1,000 max.

This offer is separate from the quarterly categories of Target and Amazon. Those are still 5% back up to $1,500 max.

The "extra" is just pointing out that this offer is in addition to the quarterly categories.

Discover gives unlimited 1% on all non-5% category spend. The offer states "in addition to your regular rewards", so it should be 7% on groceries up to $1,000.

Beefy1212 · ‎10-24-2023

@Titans84 wrote:
Received this offer from Discover via email earlier today (10/24). Spend on my card has been low in the last few months. I always seem to get these after weeks of little to no use of the card.

My buddy got an extra quarter of 5% tap to pay

Titans84 · ‎10-24-2023

@elboullee wrote:
@Titans84 wrote:
@ptatohed wrote:
Nice. So I assume the "Extra 6%" would mean 7% total? Very cool.
No, it would be 6% on grocery spend up to $1,000 max.

This offer is separate from the quarterly categories of Target and Amazon. Those are still 5% back up to $1,500 max.

The "extra" is just pointing out that this offer is in addition to the quarterly categories.
Discover gives unlimited 1% on all non-5% category spend. The offer states "in addition to your regular rewards", so it should be 7% on groceries up to $1,000.

I've received offers like this in the past, and they never gave an additonal 1%. I had this same offer last summer and I maxed it out. There was not an additional 1% cash back.

The 'in addition' note is just to make sure those targeted know this is not a change to the quarterly catergory reward structure.

Current FICO 8:

Titans84 · ‎10-24-2023

@Beefy1212 wrote:
@Titans84 wrote:
Received this offer from Discover via email earlier today (10/24). Spend on my card has been low in the last few months. I always seem to get these after weeks of little to no use of the card.

My buddy got an extra quarter of 5% tap to pay

I would have much preferred that offer. I maxed out the Mobile Pay quarter in July and there has been no spend on my Discover since. Probably why I recieved this offer.

Current FICO 8: