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YMMV: Discover IT Cashback Card Offer Cashback Bonus 3% on Everything on up to $2500

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YMMV for existing card holder: Got an offer from disocver it credit card chat customer service to earn 3% cashback bonus on up to $2500 in new purchases over the next 6 months. Its an increase from the regular 1% category Cashback and 7% back on rotating categories

https://www.discover.com/
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YMMV: Discover IT Cashback Card Offer Cashback Bonus 3% on Everything on up to $2500
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Created 06-05-2024 at 03:50 PM by jaderxiii
in Credit Cards (6) Discover.com
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Joined Dec 2014
L6: Expert
> bubble2 1,190 Posts
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echooff
06-06-2024 at 06:16 PM.
06-06-2024 at 06:16 PM.
Quote from DiMAn0684 :
YMMV but Discover is the least accepted card outside of the US by far, at least in my experience.
I was also surprised about this excitement. Discover is not accepted widely in other countries, nothing compared to Visa and MC

Quote from sanat2316 :
Asked chat and gave me 3% upto $1500 in 6 months. But after an hour i got alert from credit karma that there was a hard credit pull. Chat never asked for credit inquery. Did anyone else had hard credit pull for the promo offer?
That's insane. Call during business hours (not too late) and ask for a manager. Ask firmly to review the phone conversation to correct the issue.
Most likely they will not be able to wipe out the hard pull according to regulations, but they must transform it to a soft pull for sure if your case is solid.
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Last edited by echooff June 6, 2024 at 06:20 PM.
Joined Nov 2012
L12 Pro
> bubble2 5,769 Posts
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George_P_Burdell
06-06-2024 at 06:21 PM.
06-06-2024 at 06:21 PM.
Do you get email confirmation or how do you know you got successfully enrolled into promo?
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Joined Nov 2018
New User
> bubble2 19 Posts
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PrimeKey27
06-06-2024 at 06:27 PM.
06-06-2024 at 06:27 PM.
Thanks OP.
I did not get the 3% additional cashback but got 0% APR for 12 months!
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Joined Dec 2009
L9: Master
> bubble2 5,487 Posts
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ultratumba
06-06-2024 at 06:31 PM.
06-06-2024 at 06:31 PM.
Quote from DiMAn0684 :
YMMV but Discover is the least accepted card outside of the US by far, at least in my experience.
You are correct. Thats why I take cash as well to compensate and use first. I only use CC overseas for dining out and high priced items. Cash it for gas, simpler items, supermarket, etc.
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Joined Jul 2004
L8: Grand Teacher
> bubble2 3,004 Posts
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DiMAn0684
06-06-2024 at 06:39 PM.
06-06-2024 at 06:39 PM.
Quote from ultratumba :
You are correct. Thats why I take cash as well to compensate and use first. I only use CC overseas for dining out and high priced items. Cash it for gas, simpler items, supermarket, etc.
It's not a bad idea to have some cash on hand, but I always try to stick to cards. If you want simplicity, consider Fidelity 2% Visa card. No annual fee, no foreign transaction fees, flat 2% back and it is a Visa, so accepted pretty much everywhere a credit card can be used.
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Joined Dec 2014
L6: Expert
> bubble2 1,190 Posts
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echooff
06-06-2024 at 06:52 PM.
06-06-2024 at 06:52 PM.
This is a strange "Deal", but I tried. Through chat I got for both of my cards:
"I will go ahead and apply this offer. Starting tomorrow, earn 3% cashback bonus on up to $1500 in new purchases over the next 6 months"
So, 3% for up to $3000 for me
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Joined Jan 2021
L6: Expert
> bubble2 1,276 Posts
201 Reputation
Slacky
06-06-2024 at 08:06 PM.
06-06-2024 at 08:06 PM.
Quote from sanat2316 :
Asked chat and gave me 3% upto $1500 in 6 months. But after an hour i got alert from credit karma that there was a hard credit pull. Chat never asked for credit inquery. Did anyone else had hard credit pull for the promo offer?

Ooh I would be so pissed at them, that's bordering on fraud. You already have an existing relationship with Discover so doesn't seem to me there is any reason they would need to do that.

I'd call back and push them to compensate you well for that hard pull you never authorized. In my calculations they are worth at least $500 apiece, credit card offers are plenty.
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Joined Nov 2009
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> bubble2 2,862 Posts
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cobra11murderer
06-06-2024 at 10:31 PM.
06-06-2024 at 10:31 PM.
is the 0 percent or near for a year still available? i ask because i rarely use the discover cards now. but its mainly cause I generally end up witha 0 percent card for x amount of time and just use that for a year.
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Joined Jun 2012
L6: Expert
> bubble2 1,973 Posts
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RandomSDNeo
06-07-2024 at 09:02 AM.
06-07-2024 at 09:02 AM.
No luck for me and my spouse card. What are you guys asking exactly? Are you threatening to close the account!?
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Joined Sep 2015
L3: Novice
> bubble2 169 Posts
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Original Poster
jaderxiii
06-07-2024 at 12:46 PM.
06-07-2024 at 12:46 PM.
Quote from RandomSDNeo :
No luck for me and my spouse card. What are you guys asking exactly? Are you threatening to close the account!?
no, it was straight up asking for any promo offers.. Have you been using your discover a lot lately or the past few years? They probably offer it on frequently used accounts but I could be wrong
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Joined Sep 2015
L3: Novice
> bubble2 169 Posts
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Original Poster
jaderxiii
06-07-2024 at 12:48 PM.
06-07-2024 at 12:48 PM.
Quote from cobra11murderer :
is the 0 percent or near for a year still available? i ask because i rarely use the discover cards now. but its mainly cause I generally end up witha 0 percent card for x amount of time and just use that for a year.
i would ask Customer service since most offers are specific to the accounts.
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Joined Nov 2009
L7: Teacher
> bubble2 2,862 Posts
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cobra11murderer
06-07-2024 at 01:21 PM.
06-07-2024 at 01:21 PM.
Quote from jaderxiii :
i would ask Customer service since most offers are specific to the accounts.

contacted via online chat, got 0% for a year

was also offered a reduction apr to 14.99% but variable makes it 23 so eh 0 is better
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Joined Jul 2010
Expert
> bubble2 4,008 Posts
877 Reputation
mitchflorida
06-07-2024 at 05:43 PM.
06-07-2024 at 05:43 PM.
Quote from ultratumba :
You are correct. Thats why I take cash as well to compensate and use first. I only use CC overseas for dining out and high priced items. Cash it for gas, simpler items, supermarket, etc.
I have never been refused for a Discover Card, but I always carry an extra Visa or MC card just in case. I never pay with cash unless it is under $5.
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Joined Feb 2007
L4: Apprentice
> bubble2 523 Posts
422 Reputation
kalia57
06-07-2024 at 06:42 PM.
06-07-2024 at 06:42 PM.
Thank you, OP.

Chatted with an agent and initially offered 0.00% APR on new purchases made during the period between 06/08/2024 through and 06/07/2025. I politely declined and asked for something better on a cashback for daily purchases. Immediately I was offered 3% cashback on up to $1500 in new purchases over the next 6 months starting tomorrow. Again, I politely asked for a better limitation but was told every account is different and that is the max for my account. I happily accepted their offer.
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Joined Sep 2011
L3: Novice
> bubble2 160 Posts
69 Reputation
bigmarriedsteve
06-10-2024 at 10:48 AM.
06-10-2024 at 10:48 AM.
I did the online chat and got both offers, the incremental 3% for six months and 0% on purchases for 12 months
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