CarefulBuilder14 wrote:I may possibly be leaving the garden soon, after all. A relative (financially secure and reliable) who doesn't care about points/miles wants a $3k mattress and would reimburse me by check. I can't find any portals or offers for Tempurpedic.com, and I'm not sure how it would be classified by Discover. It would also be over the quarterly 5%/10% cap on Discover, anyway.
So that's $3k of spending in one transaction with no great alternatives (that I've found). Tempting as minimum spend on something.
ETA: I do still have minimum spend on Hyatt, but I won't have any trouble reaching it. I've just been using EDP a lot this month.
Amazon sells some tempurpedic mattresses, so you might want to do a price comparison. Also, for higher priced items, I find the price protection guarantee more important than cashback/points. A $3,000 mattress can easily be on sale in the rush of holiday shopping for $2000-$2500, but if you wait to buy till then, they may run out of supply and you may not be able to get it. If you buy now and use a price protection claim later, you can have your cake and eat it too, so to speak.
Discover has a 90 day/$500 max price protection coverage. You might want to check with your other existing cards as well (issuing bank as well as network) to see if anyone offers better terms for you there.
Another thing. If you are buying from a physical store, you (or your relative) may be able to negotiate a cash discount as well and just pay with a check.