Ask Discover For An Offer, Receive An Offer (3% Cash Back On All Purchases Or 0% APR)

The Offer

  • Discover seems to be offering some targeted offers (similar to what they offered back in 2015). You need to ask to receive one of these offers.  Easiest way to do that is by starting a live chat with them, then just ask if there are any current offers that can be applied for your account (if you don’t have any offers, move onto the next deal). Here are some of the offers people have reported receiving:
    • 0% APR for 12 months
    • 3% cashback for 6 months up to $1500.00 in purchases
    • 3% cashback for 6 months up to $2500.00 in purchases
    • 2% cashback on $7,500 spent in 12 months. This stacks with the quarterly offers of 5%
    • PR reduction lowered to the APR of the variable 16.24%
    • Looks like the 7% on the rotating categories isn’t being offered at this time

Our Verdict

Share any offers you have received in the comments below. Unfortunately I don’t think the method of checking for these offers online works anymore.

Hat tip to insidethevoid on /r/churning

Subscribe
Notify of
guest

178 Comments
newest
oldest most voted

flyzeus
flyzeus (@guest_578842)
April 7, 2018 01:32

Instant chat today and was able to get “3% cashback for 6 months up to $1500.00 in purchases”

Lei
Lei (@guest_562630)
February 21, 2018 18:45

DP: 3% back on $2500 does stack with quarterly 5%. Decent saving on Costco

Chris
Chris (@guest_542135)
December 27, 2017 19:08

Bumping an old post here, but anyone have success with this recently? I actually didn’t come across this post until now and I chatted with Discover and they said there’s no cashback offers currently available other than the usual 1% and 5%. Or should I try again?

J.M.
J.M. (@guest_509386)
November 6, 2017 10:06

OK – I think I deciphered it.

I got 1% of all charges that weren’t Amazon or Target on my statement

I got 3% additional on EVERY charge made after I requested the promotion (around 10/16), including a charge that is not yet posted on my statement but has a transaction date prior to the statement cutoff. This means Amazon & Target purchases are receiving 8% back.

I got the normal 5% on Amazon & Target charges that had transaction dates prior to statement cutoff, regardless whether they had posted to the statement yet.

J.M.
J.M. (@guest_509388)
November 6, 2017 10:10

I also think I got the cashback for the everyday transactions (1%) that had transactions dates prior to statement cutoff but not yet posted.

Bottom line is the 3% promo gets applied to every transaction after you requested it.

J.M.
J.M. (@guest_509372)
November 6, 2017 09:34

Just looked at my statement and I got way more cash back this month than I can figure out where it came from.

No matter how I calculate (1%, 5%, 1+2%, 1+3%, 5+3%) I can’t seem to back into how Discover dealt with the bonus 3%.

And I don’t even have that many charges

CBM
CBM (@guest_501799)
October 26, 2017 18:25

Got 3% cashback on $1500 for next 6 months today via chat just now. Yay!

A week ago I got 0% APR for 12 months until December 2018 and lower APR %13.99 via chat. I attempted twice via chat to get the 3% but was turned down, except today – today I chatted at the evening, instead of two times before in the morning.

Raj
Raj (@guest_501766)
October 26, 2017 17:57

i was offered nothing….

“At this time I show that you are signed up for all of the Cashback Bonus promotions that are available on your account. You are always more than welcome to go through Discover Deals to earn additional rewards, and you can always check back in for future promotions! Was there anything else that we could look up today?

zap
zap (@guest_501754)
October 26, 2017 17:40

Got the 3% CB 1.5k for 3 months offer on two cards. No confirmation email received, in spite of promise by the Discover rep. Called today again to confirm the 3% CB. Then took a detour to one of several Target stores within reach, with the intent of getting the $206 VGC. Pleasantly surprised to find not one, but two stacks of $406 VGC that were not there before during previous visits. Got the spend done on both cards, after some “fraud prevention” broohaha with Discover.

Devon
Devon (@guest_501644)
October 26, 2017 14:06

I wonder if they are changing their tune on these. Chatted on both mine and my wife’s accounts at different times today. Both agents had what I what characterize as a rude tone as if I was dumb for asking. Both stated this word for word “You will always be notified of any special offers for your account without needing to contact us.”

Alicia
Alicia (@guest_500973)
October 25, 2017 16:32

I just did the chat and got the good one 🙂

Thank you for waiting. I see we can offer 3% cashback bonus on up to $2500 in total purchases over the next 6 months. Would you like me to enroll you in this today?

Brian
Brian (@guest_501400)
October 26, 2017 08:50

Nice! Anything special you asked during your chat session?

Todd
Todd (@guest_501440)
October 26, 2017 09:29

Nice! Anything in particular you said during your chat session with the rep? 🙂