Posted by Chuck on September 9, 2015
Credit Cards

Published on September 9th, 2015 | by Chuck

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22% Cashback with Discover and Apple Pay (23% with DIM, 30% at Department Stores)

We just posted about the deal of the year released by Discover which will offers a 10% cashback bonus on all in-store purchases made until years end when using your Discover card with Apple Pay.

10% + 10% = 20%

We mentioned that the 10% will likely be doubled at year’s end. This was confirmed by the Discover media team on Twitter that the cashback will be doubled at year’s end.

11% + 11% = 22%

Speculation ensued whether the 10% is in addition to the ordinary 1% or it’s instead of the 1%. We reached out to Discover again on Twitter and they clarified that the 10% is in addition to the ordinary rewards.

This is great news – we’ll get 11% immediately and another 11% at years end for up to $10,000 in purchases with Apple Pay. That’s up to $2,200 total per Discover card.

11.5% + 11.5% = 23%

If you have the Discover IT Miles card, you get 1.5% back (“miles” they call it) on all purchases which gets doubled at years end for new cardmembers. You’ll get 11.5% back on all Apple Pay purchases now and it will get doubled at year’s end.

15% + 15% = 30%

You may be able to get 30% back if you can find a store which gets 5% back for the quarterly category. You’d get 15% immediately and an additional 15% at year’s end. We hope to have a post up soon with more details.

Related Posts:

Update: Please don’t referral spam your links in the comments. I’ve removed links that provided no value apart from referral links.



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if i don’t have a discover card, what is the best card to get right now in order to maximize this promo?

Probably the Discover it, you’ll get a $50 bonus that is doubled to $100 and then 22% on all purchases and 30% on the rotating categories.

Where is the link to $50 sign up offer? Thx

You need to use a referral link, ask a friend or wait until tomorrow and we will have a dedicated post where people can put their referral links.

Thanks. I had an offer in the mail from Discover but did not mention any bonus.
Apple pay looks like does not work with older phones like my 5s. I am wondering if it is worth applying for the card. Do you have any advice for me? Thanks.

You should be able to get 30% on upto $1500 in quarterly bonus categories

My thoughts exactly. What Dept stores sell iPhones??

If you’re thinking about buying an iPhone to take advantage of this promotion, you’d need to already have the iPhone to pay with Apple Pay, so that won’t work…..

what? why would that not work…go into the store to buy your new iphone with your current iphone using apply pay..?

Like Johnny D. says, I already have a 6 with Apple Pay – so yes, use it to buy a 6s 🙂

So in order to get the 30% for this quarter, we have to be using apple pay *in-store. The three categories for the last quarter are amazon, department stores, and clothing stores. Amazon is out.

So what department stores/clothing stores sell vgc? I think this is the real question. anyone back me up on this thought process.

Sears sells VGC for $200. But I don’t think they take Apple Pay. This 30% off will be a rare (or imaginery) deal at best.

If I have a low credit limit with Discover, can I make a purchase, pay it off with Bill Pay, rinse and repeat multiple times in a billing cycle and still get all the cash back?

Or is cash back only paid on the balance on the bill date?

You get cashback on any purchase you make.

My Discover IT card only has a pathetic $1,500 limit. So if I buy 3 $500 VGCs, pay it off immediately, will I be able to buy let’s say another 3 in the same statement cycle? So effectively I’m spending $3,000 total with my card in one statement period.

You can spend more than your limit as long as you keep paying it off and therefore having more available in the same statement right? Just kind of confused since I’ve never done something like this

You won’t be able to buy 3 $500 Visa gc. With the fees it would put you over the $1500 credit limit.

So for us non-Apple people out there, what’s the cheapest way to get an Apple Pay compatible device?

EITHER Apple watch plus any 5 series iPhone OR the iPhone 6 at the least

Do you know if apple pay needs A good esn to work? I know you don’t need wifi or mobile data for NFC.

Looks like watches should work if you have someone you can trust that you can pair it with. Phone does not have to be in range for Apple Pay after the initial sync (source: https://support.apple.com/kb/PH20767?locale=en_US) Clearly if you unpair the watch while in range, you will lose the Apple Pay ability on the phone. I can’t find any comments for sure on whether you can still use Apple Pay from the watch if you unpair after bringing the watch out of range. I plan to do this with a coworker.

Alternatively you’ll probably minimize depreciation on the phone if you wait to buy a used 6 when the 6Ses ship.

Would appreciate anyone using my referral link if they don’t have the card yet: http://bit.ly/1MdeS8C

I don’t believe discover will actually pay back 22% or even 30% of our total expenses. That is insane.

I heard from slickdeals that a new discover it card holder isn’t eligible for double CB immediately after activating the credit card and needs to wait until after the 1st statement.

Is this true and can anyone here confirm or deny?

I can confirm that this is true.

can you explain this further?

……pretty straightforward what was just said man. use your comprehension skills

useles~~~~

I can also confirm this is true. To explain further, when I called the rep to ask to add it to my Discover It card, she told me that it would not be in effect until after my next statement cycle starts. I got an e-mail about my double cashback starting around the same time as the new statement cycle.

os it’s basically just some kind of lag in the system?

Do you think this only applies to current card members that had to add the “double CB” to their card or will it also apply to new card members as well?

So if the referral bonus gets posted in the 1st month, it won’t get doubled? And I’ll have to wait till mid-October before I can get double CB for Apple Pay?This completely sucks

I got the Discover It card a couple of months ago. My first statement closed in just a couple of weeks, not a full month. If you call to apply, they can tell you when your first statement closes.

I see many people here confirmed this but I’m pretty sure it’s not true. This was only the case if you did a product change from More or Open Road to it. Of course that’s now moot since they don’t allow you to get the doubled cash back anymore for that.

Looking for clarification on the double cash back promotion and how to get the full $1100. Wouldn’t the only way to get 10% be from doubling a rotating category that is normally 5%. Aren’t rotating categories capped so the max cash back would be $150 and with apple pay $300 since it only goes til the end of the year (12/31). What do I have wrong?

I think there is some confusion with the term “Years end”. From what my offer reads:

“Double First Year Cash Back:After the first 12 consecutive billing periods that your new account is open, we will double all the cash back rewards you’ve earned and apply them to your account in the next billing cycle. You’ve earned rewards when they have posted to your account by the end of the 12th consecutive billing period. You will not receive Double Cash Back if your account is closed or no longer in the cash back reward program as of the award date. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.”

Saying “year’s end” implies that the Cash Back comes at the end of the calendar year. In actuality, it is the end of YOUR first year with the card.

Can you use someone else’s (possibly a trusted one) iPhone and add the card to his/her Apple pay?

I am getting error while trying load add my discover IT cards to apple pay. it says – “your issuer Does not yet offer support for this card” any thoughts ?
I am using iphone 6.

You need to have iOS9, which comes out the 16th

I changed my “old” discover card to DISCOVER IT in July of this year. does that disqualify me from applying for the 2nd discover card before July 2016?????

I’m planning on applying for a second Discover It card due to the Apple Pay promo. Every time I try to get a credit increase on my current IT card it says that they need to review my credit so I decline. If I were to apply for the new IT card and for the CLI today would the pulls likely be combined?
I doubt anyone has any data points so I might just try it out and report back!

Alen- I did what you mentioned. I converted my original Discover to the IT, before Discover said ‘new cardholders only’, and then applied for the IT card. I was immediately approved. It’s within their rules to get a second Discover card, when you’ve already had one for a year or more.

What do you think about combining with this?

“The new PayAnywhere Mobile reader accepts Apple Pay plus other contactless NFC payments, traditional magnetic stripe credit cards and is EMV-capable. PayAnywhere is also offering merchants $5,000 free in Apple Pay transaction processing with a new PayAnywhere account. The readers will sell exclusively in Apple Stores and at apple.com for $39.95 starting in September.”

Big shut down risk I’d imagine, but might be worth a try.

Can anyone confirm how specific the language is about buying cash equivalents (such as vanilla gift cards) being a no-no an unbonusable?

I wouldn’t otherwise ask, but when you’re paying out 23% I can imagine a new level of scrutiny on what is being bought to achieve the bonuses.

Do any home improvement stores or department stores sell $500 VGCs AND take Apple Pay?

yeah I’m curious too, what’d be the best way to max out rotating quarterly categories (short of becoming a reseller) for the 5% (dbled to 10%)… otherwise even without a referral sign up bonus that is dbled, it looks like the Miles 1.5% (dbled to 3%) on ALL purchases math works out better from a pure profit perspective.

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