Posted by Chuck on December 22, 2019
Credit Cards

Published on December 22nd, 2019 | by Chuck

73

Check with Discover if You’re Eligible for 2% or 3% Spend Bonus for 6-12 Months

The Offer

Multiple r/churning members are getting spend offers by chatting with Discover agents and requesting them:

  • Get an extra 2% cashback bonus on all purchases in the next 12 months, up to $7,500 in purchases.
  • Get an extra 3% cashback bonus on all purchases in the next 6 months, up to $2,500 in purchases.

Our Verdict

The 2-3% spend offers will work on ordinary spend to bump up your total cashback to 3% or 4%, and it can work on the 5% categories to bump them up to 7% or 8%. I’m not sure if this is an offer that’ll be sent out or if it’s the kind you have to request to get. Worth giving a chat and seeing if you are eligible.

Hat tip to Econ0mist



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Angelli
Angelli

Merry Christmas to me if I get this. Pay1040.com here I come…

Patrick
Patrick

Didn’t work for me 🙁

Frito Pendejo
Frito Pendejo

Anybody get this that is still on their double-cashback first year?

Kcihtred2
Kcihtred2

Just finished mine. Rip

Max B
Max B

I got 2% on up to $7,500.

vc
vc

what exactly did you say?

Rudi Pittman
Rudi Pittman

Did you call or use mobile app?

chris
chris

csR said nada for me. So I am spending nada on IT.

vc
vc

same. i will try again later and hope that another rep will be nicer. i did the math, and it’s just an extra $75-$150. not enough for me to throw a fit. plus, i’m still getting 10% for a yr, so i’m still using my card

Duke I.
Duke I.

chris if you don’t spend nada on IT. You’ll eventually receive a nice email from them giving you a date to use IT or lose IT. No pun intended. I just last week received an email to use my Discover More card by a certain date to avoid account closure and it’s one of my oldest cards.

Kcihtred2
Kcihtred2

5% grocery in January plus $2 lbc?

Victor
Victor

Does chat mean live online chat or phone calls? I called and the CSR was very surprised when I asked about the bonuses and said she didn’t know what I was talking about.

Charles Mann
Charles Mann

That’s usually what happens, few CSR know much about anything, especially off shore ones.

Gerald
Gerald

Discover claims all their CSRs are U.S. based.

Ben
Ben

0 for 2 on chat for me

Mali
Mali

Send a message and get 3% on up to $1500 for the next 6 months.

A M
A M

Gonna try this out.

I end up defaulting to my Discover card because it was the first card I ever got lol

A M
A M

Sent a message via chat about a friend who has loyal Discover card user having a 3% cashback offer and asking whether I had that offer, too. CSR got back to me in about half an hour (I put in a message then did push notifications and went about my day) and said I have 3% cashback on up to 1500 within next 6 months.

I do spend a lot on Discover already and have had it for three years (?) now

Goodtoknow
Goodtoknow

Alright, called CSR. Friendly folks as always. First one had to transfer me to a different department. This CSR was like, well, well, well, you heard about this promo did you.

Apparently they looked at my account, appreciated my loyalty and saw that there was an offer I had for 3% for 6 months. The cap was at $2k though.

Mentioned I use the card year round and was hoping for the other offer. They said they can only offer what’s presented to the account. Options were to wait a couple of days to decide to take it, because once it’s available, it may not show up again. Going to call again sometime to pick it up maybe.

They did say offers like these come up periodically, but it may be a bit before the next one. Worth calling.

Trevor
Trevor

3% on $1500 for 6 months for me. Thanks Doc!

Blake
Blake

Got the same offer.

Jim
Jim

Mine was an extra 3% up to $1500 when I used chat

Jason
Jason

Got 3%, 6-month, $2,500 offer. CSR said it only bumps up 1%. 5% will stay the same.

vc
vc

i was declined via chat and 2 phone reps. the 2nd phone rep was very informative and told me that these offers are for ppl who’ve been w discover for at least 1 yr. she also said that they’re not allowed to change promos within the 1st year.

Shalom
Shalom

yes, I heard the same.

JimH
JimH

Just got off chat and have a 3% offer. It’s not an extra 3%. It would only replace the 1% cash back. I’m still thinking about it but it doesn’t really make much difference other than somewhat simplify the cards I use for 6 months.

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