Discover Card
Cash Back Only 0.25% on First $3,000 Each Year, Then 1%

Synopsis: Discover Card only pays 0.25% Cash Back on the first $3000.00 in purchases starting on you anniversary date and resetting every year. Most other "cash back" credit cards state the rates on every bill and every communication, generally 1% Cash Back from the get-go and more on specific items (gas, restaurants, et cetera_. Discover does not post this information anywhere that I can see in any of their information packets "Explanation of Changes to your Cardmember Agreement". I called Discover to complain that I only received $3.00 on over $1400.00 worth of purchases and was told that the first $3000.00 of purchase starting with every anniversary date only gets 0.25% Cash Back. I said I did not know this, was transferred to a supercilious Supervisor who assured me that this was in my customer information packets and offered to send me the packet. The packet he sent arrived several days later and had no information about the first $3000.00 being 0.25%. The only statements in that packet and previous ones (I save them) was that you could earn "Up to 1% Unlimited Cashback Bonus on all your other purchases" after specifying 2% on Gas and Auto Maintenance.

I have been a member since 1986 and never knew there was this $3000.00 requirement. Note that after the $3000.00 requirement is fulfilled, you only get 1% cash back on most items. Other credit cards are not only far more generous, but also spell out the rules on each and every bill or communication.

Company: Discover Card
Country: USA
State: Utah
City: Salt Lake City
Address: PO Box 30943
Phone: 8003472683
Site: discover.com

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