Explaining the Discover Card Cash Back Bonus (Part II)

Cash Back Credit Cards

Hi Banklady,

I am glad to have come across your site which clearly explains Discover Card's 10% grocery bonus. I just got off the phone with Discover Card after a long debate on the accuracy of my bonus summary. Another hidden information (not even in the fine print!) I thought I'd share.

In short, I made $95.57 of qualified grocery purchase last billing period, but I only got $2.96 (~3%) as special grocery bonus rather than $3.82 (4%). The very confident customer rep I spoke to insisted that the summary is correct; he said just to add the $2.96 with $0.85 ("purchase award this period") then I get my $3.81 (roughly 4%). I kept explaining to him that I earned the $0.85 with all purchases this month ($169.3 x 0.5% = $0.85) (2nd tier), and the grocery purchases should get 4% on their own. I got nowhere with him. Finally I spoke to another rep who explained that the bonus award will not be calculated until after the end of the program. I doubt they'll correct the error but I took his word for it, for now.

I realize how much time I've wasted arguing over a dollar with Discover Card, but it is really that I hate to be cheated after having read the fine print very very carefully. I thought my story could alert others enrolled in the program who expect to get up to 5% of bonus- they should always doubt check their summaries and never trust that Discover Card would do the right thing automatically.

Thank you for reading my rants.

Regards,
Discover Card Consumer

Thanks for all your emails - make sure you keep us updated!

Other Credit Card related Information: Discover Grocery Bonus part I, Credit Card Tips, Online Applications for Credit Cards, Chase Rewards Cards, Gas Tips

Shop for a Discover Card