Discover Card does not assign MCCs to merchants. Merchants and payment processors are assigned an MCC based on their typical products and services. Even if a purchase appears to fit in a 5% category, the merchant may not have a merchant category code (MCC) in that category. Rewards are added to your account within two billing periods. For online purchases, the transaction date from the merchant may be the date when the item ships. To qualify for 5%, the purchase transaction date must be before or on the last day of the offer or promotion. Individual merchants and stand-alone stores within fitness clubs, gyms, athletic or recreation facilities may not be eligible in this category. Purchases must be made with merchants in the U.S. Virtual and in-person fitness classes may be eligible. Athletic or recreation facilities may be eligible. Fitness Club & Gym Memberships include membership fees and purchases at health clubs. All purchases made at Walmart, Target, convenience stores, wholesale clubs, discount stores, and supercenters are not eligible. Grocery Store purchases include those made at supermarkets, meat lockers, bakeries, smaller grocery stores, and grocery delivery services. Q1 Program Details: Activate to earn 5% Cashback Bonus at Grocery Stores (stand-alone) and Fitness Club & Gym Memberships from 1/1/22 (or the date on which you activate 5%, whichever is later) through 3/31/22, on up to $1,500 in purchases. This promotional offer may not be available in the future and is exclusively for new cardmembers. We will not match: rewards that are processed after your match period ends statement credits rewards transfers from Discover checking or other deposit accounts or rewards for accounts that are closed. You've earned cash back rewards only when they're processed, which may be after the transaction date. We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.Ĭashback Match: Only from Discover, as of May 2022. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Balance transfer fee: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Variable APRs will vary with the market based on the Prime Rate. Standard purchase APR: x% variable to x% variable, based on your creditworthiness. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. * Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies.
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