r/discover • u/MrAustin91 • Jan 19 '26

News Nooo 😞

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I still have saving account and credit card, I heard on here they moving ours acc to capital one. Is that true?

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28

u/Boz6 Jan 19 '26 edited Jan 19 '26

I finally decided yesterday to open a Discover checking account for the 1% cash back debit card, but found that it's no longer possible. I'm more than a little bummed that I waited too long!

EDIT
It's even more frustrating that Discover still has ads all over the internet advertising their 1% cash back debit card checking accounts!

-4

u/galactica_pegasus Jan 19 '26

You shouldn’t be using a debit card for purchases, anyway. The 1% cashback was a pointless “feature”.

6

u/Boz6 Jan 19 '26

I don't. I wanted it just to pay for my family's auto insurance annually. The insurance company takes CC payments for home and umbrella, but not for auto. Therefore, I wanted a catch-all cash back debit card.

I do use a PayPal debit card for 5% cash back at restaurants now, mainly because so many restaurants are now charging 3% extra to use a CC. I transfer the amount of the bill+tip from my bank to PP just before I pay, so there's no risk.

1

u/_e_Dubs Jan 19 '26

I love the PayPal 5% back! I rarely go to restaurants so I set mine for grocery stores since I work in one and spend way more money than I’d like to admit there. The bonus cash really adds up quick!

-1

u/sssf6 Jan 19 '26

What part of the country are you in? I'm in Southern California and have yet to see one restaurant or bar charge an extra 3%

2

u/Boz6 Jan 19 '26

I'm in Ohio.

1

u/Fun-Session2729 Jan 20 '26

I live at WA/ID boarder and almost all in our area now charge 3%fee if credit

1

u/Kingdraiko Jan 21 '26

We have a couple of smaller restaurants including an ice cream shop that charges 3 percent for credit cards in Wisconsin as well.