Quick background: Discover is currently running two overlapping promotions: an extra 10% cash back for Apple Pay purchases, plus double all cash back for a year. Each promotion is amazing on its own. Taken together, they’re fantastic. You can find full details here and here.
The one little hitch has been the introduction of terms to the Apple Pay promo. The terms now exclude gift card purchases. See: Discover’s Deal of the Year: Excludes gift cards.
Will the gift card exclusion be enforced?
Just because Discover tells us that gift cards are excluded does not mean that the rule will be enforced. My guess is that gift card purchases will count. Unfortunately, that is just a guess based on past experience with similar deals. Until we get evidence, we won’t know for sure.
Waiting for proof
Proof has not yet arrived. Bonus cash back usually appears on the next statement after a qualifying purchase, or the statement after that.
So far, many people have had their statements close, but they have not yet earned any rewards from the Apple Pay promotion. That would be worrisome if it was only true for gift card purchases, but its true for regular purchases too. My statement closed today with the same result. No Apple Pay rewards were credited for gift cards or for other stuff.
The Apple Pay promotion began September 16th. So, in the second half of October, some people will receive their second statement covering purchases that may have qualified for Apple Pay promo rewards. I hope and expect that we’ll see reports from readers in late October that will settle the issue of whether or not the gift card exclusion is enforced.
We don’t know. Please check back later.
Today’s non informative post was inspired by reader questions received daily.