disco "restaurant" category experience

[elixerin]

would i be overstepping if i said it'd be fine for any food/cafe place(for 5%)? in the question mark thing it just states: full-service, cafes, cafeterias, and fast food.

Anyone maybe regularly get food outside these categories and have no issues with 5%?

[wasCB14]

I don't use mine very much, but a few general observations...

1. Some places like delis and bakeries offer some seating and may be classified as either restaurant or grocery.

2. Some cafes within larger stores may code as that store.

[Ficoproblems247]

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@wasCB14 wrote:

I don't use mine very much, but a few general observations...

1. Some places like delis and bakeries offer some seating and may be classified as either restaurant or grocery.

2. Some cafes within larger stores may code as that store.

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^^This exactly. My local Starbucks codes as the grocery store they're located in because they share the POS system. I get 6% back on my coffee with my BCP because of it. Once you're outside of the big chains and into smaller eateries like you're probably thinking of, you probably have to keep a closer eye on each transaction to see what they code as. Trial and error. 

[ChargedUp]

Aside from the mentioned above Starbucks within a larger retail store, I've never had any issues with Discover coding any food/drink establishments outside of what the 5% covers. It's even worked in hospital cafeterias over here.

[kdm31091]

You just kind of have to try it and see what happens at any merchant that is not necessarily a restaurant. Sometimes it works out in your favor and sometimes it does not. At least IME Discover has never been very stingy about this type of thing, outside of when they have explicitly stated exclusions (i.e. Target/Walmart don't count as grocery). But otherwise, I've always gotten the bonus rewards when I expected to.

[SunriseEarth]

IME, any food establishment that wasn't within another business was considered dining when using Discover.  I never had a problem with getting rewards (although I did encounter a few local restaurants that didn't accept Discover). 

A possible exception might be anything that codes as "caterers", but only because I haven't one tried with my Discover during a dining quarter.   Synchrony categorizes "catering" as dining, so that can come in handy if you go to a bar/concession stand at a special event of you have an event catered.  I used my Sam's Club MC for our wedding cake from a caterer and it counted as dining.  

[TSlop]

My only concern will be using it online for restaurants, which is what I've been doing these days. But I'm assuming it will all work out, since I've never had any major issues getting 2% with my CSP making online purchases. The only thing that hasn't counted on my CSP that I originally expected it should is purchasing Five Guys online (I don't know how the in-store purchase codes). Every time I use it online it gets coded as 1% groceries. The bonus cashback through Chase Offers always works, though.