5% back this quarter

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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Money card
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5% back this quarter

Postby Money card » Thu Apr 05, 2012 4:55 pm

So has anybody signed up yet? If so which category are you people gonna use - movies or restaurants?

For anybody using your card on restaurants, will you leave the tip in cash, on the bill and will you round off? For example let's say your bill is 27.36, will you round off to the nearest dollar?

I just used this number as an example.

I'm using my card on restaurants, I know over the holidays I didn't round off but then again the cap was 300.00. Now that the cap is 1500 I will round off and leave the tip in cash.

Will anybody be using the card at fast food restaurants?

For anybody out of town (on vacation or a business trip) did you get a chance to sign up? For anybody who's on business, will you use your Discover More card assuming your side pays the bill? Or are you using 1 of your business cards like Delta Gold etc?


bmw1990Z
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Postby bmw1990Z » Thu Apr 05, 2012 6:29 pm

Is it true that you must wait til your cash rewards builds up to a certain amount before you can get a check?
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013

DavidNY
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Postby DavidNY » Thu Apr 05, 2012 8:52 pm

Yes, $20 is the minimum cash payout with Chase, still better than BofA ($25) and certainly better than Discover ($50).

bmw1990Z
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Postby bmw1990Z » Thu Apr 05, 2012 9:39 pm

not to change the subject but what about citi platinum select dividend?
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-Citi Forward Card for College Students-July 2011

-American Express Platinum Delta Skymiles--July 2013

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bisbicos
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Postby bisbicos » Thu Apr 05, 2012 10:11 pm

I will be using my discover more at any restaurant that will accept it. Back up is my Citi forward card
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink

FutureBillionaire
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Postby FutureBillionaire » Fri Apr 06, 2012 12:44 pm

I don't redeem Discover More for cash. I use it for gift cards. I get much better bang for my buck.

I'm going to use my Discover card for restaurants and movies this month for sure. I also use my miles card for restaurants.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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Postby Money card » Sun Jun 10, 2012 10:04 pm

What constitutes as a restaurant?

I added up my charges from April, May and June. I came up with a number. I called them up and 1 account mgr. came up with a number 1$0.00 off what I came up with, I called up after that and somebody was telling me that cold stone creamery counts as a restaurant. and Dairy queen counts as a restaurant because they sell hamburgers and hotdogs. 1 of the account mgrs was saying that starbucks counts as a restaurant.

to me starbucks would be a cafe, Dairy Queen would be a ice cream place and cold stone would be a ice cream place. Friendlys would be a restaurant, Ruby Tuesdays, the castle inn, Allendale bar and grill, Joe Americans and Fridays would all be restaurants.

Friday I went shopping with my Discover card and I purchased a gift card for Cold stone creamery does that count as a restaurant? Would Dairy Queen count as a restaurant as well as starbucks?

Then later I called Discover again and somebody else said Cold stone doesn't count as a restaurant, but again Dairy Queen and starbucks does. this account mgr was off $53.00. probably he didn't have the June totals plus some restaurants don't add the rounding of the tip.

But I'm confused as what counts as a restaurant, travel and entertainment and ice cream plus a cafe?

JMK
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Postby JMK » Mon Jun 11, 2012 7:04 am

If you log in to your account on discover.com, it will show you your recent transactions and what category they fall under.
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Ratfacedudeguy
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Postby Ratfacedudeguy » Mon Jun 11, 2012 10:25 am

JMK is right. What actually constitutes a "restaurant" is the merchant submitting their charge under the restaurant merchant code. What my confusion is, is that within the "restaurant" category, there are two subcategories: "restaurants" (kind of redundant huh?) and "bars and cafes". The true question here would be if all charges submitted under the broad category of restaurants count towards the 5% cash back, or if it's only those in the restaurant subcategory that are eligible for the 5% rebate.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

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Postby Money card » Mon Jun 11, 2012 3:52 pm

Diners , fast food and sit down count as restaurants. But if you are on a business trip at a hotel, a lot of hotels will have restaurants, but they wont count on our 5% back because they are under the hotel. the only way it would count is if they seperate themselves from the hotel.

when you mentioned bars and cafes, you would kind of have to think that starbucks would be a cafe and Cold stone would beice cream like hagen daz.



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