JW said:I received an email promoting the DiscoverCard "Get More" program. It specified some local restaurants where I can use the DiscoverCard. The selection seems to be based on zipcode. If I do so by the end of November, I am to receive $5.00 in DiscoverCard rewards. Only one $5 reward per account.I received an email as well for restaurants and stores in my zipcode accepting Discover -- except the offer is for a one-time $10 reward.

MaddHatter said:JW said:I received an email promoting the DiscoverCard "Get More" program. It specified some local restaurants where I can use the DiscoverCard. The selection seems to be based on zipcode. If I do so by the end of November, I am to receive $5.00 in DiscoverCard rewards. Only one $5 reward per account...
I got two snail mail flyers (I have a More, Open Road, and Biz card, so for 2 of those 3 I guess, unfortunately Discover never lists a last 4 acct number with their promotions) last month for the same promo, only I had 15 or so local businesses listed on mine, and not specific to food.... alas, nothing any more applicable for a FWer mindset ie. where Staples/necessities could be purchased. Tended to be specialty shops, coffee shop, and yes a few restaurants (no fast food though). I didn't take em up on it.
I also got 2 snail mail flyers for $5 each, with different places listed on each flyer. I have 2 More cards and 1 Miles card. I called them and asked which list applied to which card. They were able to tell that the offer was on my More cards, but they didn't have info about which list was for which card; they asked me to tell them a place I want to use each card and they'll make sure I get the $5 on each card.
Then a couple weeks later I got 2 more $5 snail mail flyers, with different lists. I might try doing it again. I don't see any restriction about only one $5 reward, just "on the first purchase you make at any of the stores listed above"; since the new lists are different maybe I can get another $5.

pnfisher said:bankdealsrule said: posted: Nov. 8, 2009 @ 11:29aCan anyone confirm this with evidence?!? Does anyone have a screenshot of either the email or proof (from receipt & statement) that shows that you will not earn 5% bonus on the cash you get back from a grocery store (where grocery stores allow you to get some cash with your purchase)??Discover does not pay CashBack on Cash Over. Merchants are required to specifically code these transactions. See http://www.discovernetwork.com/paymentsolutions/features/cashove... for more information.
If you simply add up the 5% bonus on your statement, you'll find that Cash Over transactions are excluded from earning any CashBack. While I'm not going to attach a screenshot of my last Discover statement, I can confirm that my Cash Over transactions at safeway did not earn 5% CashBack.
That website was not clear; according to the http://www.discovernetwork.com/common/pdf/FAQ_CashOverIss.pdf the CashOver transaction is treated like a normal purchase transaction and is included in the same process and fee structure (for the merchant/grocery); so i'm not sure where the CashOver is specifically being coded differently. On another note, did your October-November 2009 bill period end already; I still cannot confirm this as this was in effect for me for the past 3 years-- i tested this today and will not know until the end of this month.

My Discover statements explicitly break down grocery store charges into "CASHOVER $xx.xx PURCHASES $xx.xx". So the store is definitely communicating the different types to Discover somehow. Note this part of that pdf (I'm not sure what it means, but sounds related): "Issuers need to accept data files from settlement in order to populate cardholder statements with Cash Over amounts and for balancing needs."

UncaMikey said:Wife recently got Discover card (our first) to take advantage of $100 bonus and 5% CB on restaurants/groceries. Just got our first statement and noticed an oddity: The CB bonus does NOT equal 5% of our total restaurant/grocery charges. In round numbers, here's what it shows:

Total charges in the two categories restaurants/supermarkets: $300
Expected 5% ca$hback: $15.
Actual "New 5% Ca$hback Bonus": $12.90

There were only a few transactions, so it was easy to calculate that NO combination of charges would give a 5% ca$hback of $12.90.

We called and the CSR agreed that it should be $15, but gave some story about a lag, it should show up later, blah blah blah.

This makes no sense. Any ideas or similar experiences?

I'm right there with you. I don't understand the system either. Mine was closer, but still not the correct amount.

naas said:Maybe they round each transaction down? How many transactions were there?

I thought about that, too. There were only a half dozen transactions. No amount of rounding, excluding, etc, came to an amount that would give their 5% CB total. I.e., their $12.90 5% CB bonus implied total eligible charges of $258, and there was no combination of charges (rounded or not) that came close to $258.

Yep, I'm with flygirl1. On some statements (not in the very recent past), I've seen the 5% CashBack post 1 cycle later...I've called to complain and been told the same thing by the agent - as you. I was skeptical initially - but it did post later on... I'd say you'll be just fine...

flygirl1 said:Sometimes the bonus CashBack won't show up until the following statement if a purchase is made late in the cycle. On another note, one of my Discover More cards' billing cycle just closed and I DID receive 5% CB on $50 cashover at Fred Meyer.

Not sure if this is the reason for your discrepancy but Discover typically excludes tips from 5% Cash Back from restaurants..

UncaMikey said:I thought about that, too. There were only a half dozen transactions. No amount of rounding, excluding, etc, came to an amount that would give their 5% CB total. I.e., their $12.90 5% CB bonus implied total eligible charges of $258, and there was no combination of charges (rounded or not) that came close to $258.

If it makes tracking your Discover Card spending easier, you can always pay tips in dollar coins like a true FWF'er!!

VerbalK said:That very well could be it. That kind of sucks since I like to try to hit the $400 limit on each of my cards.

wesleman said:Not sure if this is the reason for your discrepancy but Discover typically excludes tips from 5% Cash Back from restaurants..
Is this based on your personal experience or is this an explicit policy?
thanks