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Discover Targeted Spending Offers
I really love my Discover It card (my review) because of the rotating 5% categories and their portal. Unfortunately the categories this quarter are restaurants and movies. As you may have noticed, the restaurants category overlaps with the Chase Freedom card (my review), so I am struggling to maximize and thus my Discover It card is collecting dust.
About a month ago I read over at Doctor of Credit that some people were able to get spending offers added to their accounts by asking via secure message. Today I finally got around to asking, although I decided to hop on chat to see what was available.
First, I hopped on chat with my nearly year old Discover It account. I haven’t really used it other than for 5% categories and to meet the minimum spend for the $150 sign-up bonus I received. The agent was very friendly and said he only had one offer available for me at this time.
The offer was $10 cashback after $100 in spending in the next 30 days. Since I already receive 1% back on regular purchases, this is an 11% return or 15% if I use the card at restaurants, which is probably my preferred option. I think I’ll slip the Discover It card back in my wallet and try to find a Bed Bath & Beyond to use my Freedom card at.
My Wife’s Offer
Next, my wife hopped on chat for her nearly two year old account. At first the agent said there were several offers available and then she went on to tell her about how she could make $50 for referring someone and about the 5% bonus categories. FAIL!
Obviously those aren’t really offers at all. The 5% categories are a FEATURE of the card and the referral $50 is available to everyone and is always around. I wish she had just said there are no offers, which in my opinion is the truth. After failing on chat, my wife sent a secure message as well, but the answer was the same.
Other Possible Offers
Here are some other offers that may be available according to the original Doctor of Credit post:
- $10 after spending $200 dollars in the next 30 days. (Worse than mine.)
- $20 or $30 back after spending $1,000 in the next 30 days.
- 2% back on all purchases for a limited time.
- 0% purchase APR for the next 12 months.
How to Chat or Send a Secure Message
Thankfully Discover makes it really easy to hop on a chat or to send a secure message. Luckily both options are contained in the same place. Here is how to find them:
First scroll to the bottom of the page after logging in and click on “Help Center”.
On the right hand side under “Contact us” you will see both options available. You can either click “Chat Live Now” to get on chat or “Send a Secure E-mail” to ask via secure message.
We aren’t talking about huge money here, but I’ll take an extra 10% on my next $100 in purchases. While I wish my wife was able to get an offer, perhaps in the future she will get an offer and I will get shot down.
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