Discover Card Double Cashback Bonus on Kia Gift Cards. Turn $25 Cashback Bonus into a $50 Kia gift card. Or $50 into $100. Or $250 into $500.

I actually own a 2011 Kia Optima (and like it), but i'd only get one of these if I could use it at places other than the dealership. They are pretty competitive on oil changes, but other than that, dealership servicing is a ripoff, unless its covered under warranty.

Quote from tibasnatch : I would HIGHLY doubt this is a regular card u can use anywhere. if someone does let us know asap free money!

i got $1000 of the sams club membership cards from discover for 20% and they are good at any walmart as regular gift cards.. Maybe I will get lucky again with the kia gcs... I mean 250 gamble for 500 is a good risk... if not I think I can flip them for the 250 back that i spent...

Quote from user3657 : If the card starts with discover's 6011 or whatever it is, then I would assume its a normal discover card and could be used anywhere. I just dont have enough balls to use all my cashback and try it.....

yea i thought so too but i just got mine in the mail and it looks exactly like a prepaid CC. there's a picture of a KIA car/logo on the front design but doesn't mention it being kia restricted. however, on the back, right on top of the mag strip, it says "Accepted only at participating KIA locations."

i tried doing a partial ebay payment online and it failed. i then tried doing a partial sprint payment online and that failed too. so i think the card processor has some restriction on type of business that will be approved?

good thing i didn't redeem too many rewards on this. i got enough to get some tires at the dealership (for my non kia) so i'm going to have to go that route now.

Quote from slain85 : yea i thought so too but i just got mine in the mail and it looks exactly like a prepaid CC. there's a picture of a KIA car/logo on the front design but doesn't mention it being kia restricted. however, on the back, right on top of the mag strip, it says "Accepted only at participating KIA locations." i tried doing a partial ebay payment online and it failed. i then tried doing a partial sprint payment online and that failed too. so i think the card processor has some restriction on type of business that will be approved? good thing i didn't redeem too many rewards on this. i got enough to get some tires at the dealership (for my non kia) so i'm going to have to go that route now.

Could also be because your name is not on the front of the card so an online purchase is failing for that reason. Most prepaid cards I get, I have to register with the card issuer so that they work online. That said, I'd like to see someone try and swipe it elsewhere and see what happens.

I think they maybe coded to only work in auto businesses. So say you need parts at a honda dealer it may work. I will try it when i get my cards.

Quote from chimmy826 : Could also be because your name is not on the front of the card so an online purchase is failing for that reason. Most prepaid cards I get, I have to register with the card issuer so that they work online. That said, I'd like to see someone try and swipe it elsewhere and see what happens.

i don't think that's the case because i've gotten a bunch of prepaid cards throughout the years with or without names and they all process fine. most notably, the amex sync $25 card from last week, as well as the fedex small business cards, all worked online in the same manner.

as i and another poster suspect, it may be due to the card processor only approving transactions from a particular category. i highly doubt all kia dealerships have the same card processor, and there may be multiple dealerships under the same owner/company so a purchase at a legitimate kia dealership might not even say kia on it. so it may work at a honda or toyota dealership, auto repair shop, or whatever, but we don't know for certain.

Quote from slain85 : i don't think that's the case because i've gotten a bunch of prepaid cards throughout the years with or without names and they all process fine. most notably, the amex sync $25 card from last week, as well as the fedex small business cards, all worked online in the same manner. as i and another poster suspect, it may be due to the card processor only approving transactions from a particular category. i highly doubt all kia dealerships have the same card processor, and there may be multiple dealerships under the same owner/company so a purchase at a legitimate kia dealership might not even say kia on it. so it may work at a honda or toyota dealership, auto repair shop, or whatever, but we don't know for certain.

as you already have the card in your possession, could you try going to a local supermarket and buying a pack of gum and see if it works?

Quote from iceyburnz : as you already have the card in your possession, could you try going to a local supermarket and buying a pack of gum and see if it works?

i already tried doing a one-time payment with ebay and sprint and it declined.

i tried my square reader (physical swipe) and it declined as well.

i did some more research and i'm pretty sure it goes by the Merchant Category Code (MCC). i looked at the list and i'm assuming it'll only work based on these two codes:

5511
Car & Truck Dealers (New & Used) Sales, Service, Repairs Parts and
Leasing

5521
Car & Truck Dealers (Used Only) Sales, Service, Repairs Parts and
Leasing

Quote from slain85 : i already tried doing a one-time payment with ebay and sprint and it declined. i tried my square reader (physical swipe) and it declined as well. i did some more research and i'm pretty sure it goes by the Merchant Category Code (MCC). i looked at the list and i'm assuming it'll only work based on these two codes: 5511 Car & Truck Dealers (New & Used) Sales, Service, Repairs Parts and Leasing 5521 Car & Truck Dealers (Used Only) Sales, Service, Repairs Parts and Leasing

Do u think if it would work for any Discount Tire purchase?

Quote from slain85 : i already tried doing a one-time payment with ebay and sprint and it declined. i tried my square reader (physical swipe) and it declined as well. i did some more research and i'm pretty sure it goes by the Merchant Category Code (MCC). i looked at the list and i'm assuming it'll only work based on these two codes: 5511 Car & Truck Dealers (New & Used) Sales, Service, Repairs Parts and Leasing 5521 Car & Truck Dealers (Used Only) Sales, Service, Repairs Parts and Leasing

Is it the same way that Discover codes specific rewards offers, like bonus % for spending at grocery store, or gas station, etc?

Quote from leoleonleo : Do u think if it would work for any Discount Tire purchase?

i doubt it but i can't test it. i would assume Discount Tire would fall under

5532
Automotive Tire Stores

Quote from dodgeball : Is it the same way that Discover codes specific rewards offers, like bonus % for spending at grocery store, or gas station, etc?

yeah that's how they do it.

If they can make it work for only a categories then why can't they make it work only for kia dealers and reject everybody else. Cashback bonus is different because that happens after positing the purchase in particular categories but i haven't seen any decline based on categories or particular merchants. Probably Discover has some new way of making it happen.

Quote from dodgeball : Is it the same way that Discover codes specific rewards offers, like bonus % for spending at grocery store, or gas station, etc?

Quote from leoleonleo : Do u think if it would work for any Discount Tire purchase?

Quote from boniam : If they can make it work for only a categories then why can't they make it work only for kia dealers and reject everybody else. Cashback bonus is different because that happens after positing the purchase in particular categories but i haven't seen any decline based on categories or particular merchants. Probably Discover has some new way of making it happen.

because there's too much variance in the credit card processing for each kia dealership. keep in mind each franchise may be owned by different people or groups. there's also numerous multi-manufacturer car dealerships that share office space and/or credit card processing. i doubt discover has a white-list of each of kia's credit card processors just to accept these kia reward cards.

as for your 2nd statement, cashback bonus is based on the same system since it goes by a particular MCC. for example, mcdonalds is classified under fast food, and walmart is classified as a discount retailer, even if you purchase stuff on their grocery side. as for an opposite example, most restaurants inside a hotel will be classified as hotels and not dining (e.g., CPK inside mirage las vegas is not categorized as a restaurant - i know because i didn't get 5% CB).

read the last sentence on discover's CB bonus fine print: "If a purchase is coded for a category other than those listed above, it will not qualify."

I think it will work with other auto dealers besides kia... So If you have a vehicle and want service done on it, then it will work... Not bad having 50% off.. i am going to do a oil change at my honda dealer and use the card.... i think it will work no problems.