What I am trying to achieve are options for the VGC route or some other legit route that gives me at least 1%. I signed up for the Discover checking account anyways regardless but I am looking for any way to get something for my mortgage/car loan payments. When you mean by a whole lot of work...its just clicking a few buttons on a computer screen and of course doing a WM run. Yes 1% is not scaleable but so is trying to find friendly WMs and consistent working VGCs/MCGCs that work with trying to loading the account. You might have the friendliest WMs in the world and this is a piece of cake but a lot of places they have been cracking down. Clearly you haven't experienced a nosy cashier asking to see the source of your payments and getting attention drawn towards you. You might be relatively new to this game but I have been doing MS for years now but have slowed down tremendously since COVID.

Here is how I earn 1% CB from Discover in 1 trip. I usually load 1k to discover with VGC. Right after I load, I said, BTW, I need $950 - $999 MO. Use my discover to pay and earn $9.51 or up to $10 depend on the MO amount. Do that 3x per months and max out $30 CB. Easy money.

What is this Pay and Earn thing? Is this a Discover thing? Sorry for my ignorance since I just signed up for the Discover checking today.

A Discover thing. Earn 1% back up to $30 per month using Discover debit card.

oh ok....basically the name for the 1% cashback with Discover. Gotcha. Thanks.

Yes
No, just ACH
As a backup for a (too often these days) failed gebit. Or in the rare case that if I'm in a WM anyway and the MC is staffed and has no line and I have no gebits, why not pick up $19 profit for a Discover load + MO for five minutes' work?

[QUOTE=Wonko;36028467]Yes

Good to know the 1% CB triggers in WM. How are you meeting the Upgrade $1k DD? I’ve tried pushing from multiple bank accounts and none are counting.

I read on DoC that Fidelity CMA or Fidelity Bloom Save accounts work fine for the $1K DD.

[QUOTE=30k;36028507]Yes, this is valuable and agree if I am already there doing a DISC load and then 950-999 MO to trigger 1% and then liquidating that MO elsewhere makes perfect sense! This is a nice $9 bonus for sure, however I wonder if it will raise flags at DISC for a 1K load and immediate 950 debit charge...

$1k didn't work... went back to 998; if work for ya, do circle back & report, Thx

Asked for MO today and CSR at MC asked why I needed it, who I was giving it to, why a MO was necessary, etc...
You all get this inquisition regularly?

Certainly would not want to do a Discover load and then immediate MO transaction. It should raise flags for sure from Discover. I would definitely space them out at least a day or 2 just to be safe.

No, but tell them, you need to pay bills and the places won't accept check anymore because you "wrote" some bad checks 😀 in the past. Now they only want MO. Or avoid that particular cashier.

I did a load to P2 and a MO from P1... so should be ok

lol, not sure I want to to with the "I write bad checks" routine and raise that concern. I said something along the lines of buying something from FB Marketplace and I didn't feel like walking around with "that much" cash.