How to Ask Discover for Additional Offers

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Last updated on April 13th, 2023

Discover is known for its quality selection of credit cards – all of which feature no annual fee. The bank is also famous for its customer service. Featuring friendly, U.S.-based representatives, the customer-centric focus of the Discover brand continues to entice applicants. One of the lesser-known perks of Discover is asking for a bonus. Here is what you need to know about asking Discover for additional offers, like 0% APR on your card.

Additional Offers to Qualifying Cardholders

Discover does not advertise additional offers, but they are known to provide them occasionally for those cardholders who ask. Previous examples of Discover bonuses for existing customers include an extra 3% cashback bonus on purchases, 7% cash back on revolving categories with the Discover It Cash Back card, and 0% APR. Of course, these offers are only available to select cardholders. But you never know unless you ask.

The latest reports indicate the current additional offer is 0% APR for around 12 months. This offer seems to only apply for new transactions, however.

How to Ask Discover for Additional Offers

Current Discover customers can contact an account representative to see if they qualify. When speaking with a Discover representative, ask if there are any promotional offers available, including 0% APR. As with reconsideration lines for credit card companies, you might need to haggle or negotiate, but Discover tends to be generous with their customers.

Not everyone will qualify, however. Common reasons for Discover rejecting extra perks concern credit scores, credit limits, or account age. If you call and do not get the answer you expect, don’t be afraid to call back and speak with another representative. Who knows, you may have better luck.

What to Do If You Can’t Get an Additional Bonus

For those who can’t receive a bonus offer, your best prospects are to keep using your Discover It card and building up a relationship with the company. Also, keep an eye on your credit score with a credit monitoring service to ensure your credit report is accurate. In time, Discover may contact you for a special bonus.

Related Article: 4 Tips for Building Credit In Your 20s

About: Cory
Cory Santos

Cory is's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

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