Have you ever made a purchase that you later came to regret? When this happens, you might be able to return it to the store where you bought it, but sometimes your return will be denied.
But if you use your Discover card to make the purchase, then you may still be eligible to receive a refund thanks to Discover’s Return Guarantee.
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How Return Guarantee Works
This program allows cardholders to return eligible Discover card purchases for a refund when the store will not accept a return. The policy covers each item for up to 90 days after purchase, with a limit of $500 per item, and an annual maximum of $2,500 per account. This benefit is available to all Discover cardholders when the purchase was made on a Discover card.
Most types of purchases are covered, however there are some exclusions. Among them: products for commercial use, services, digital downloads, used items, consumables and motorized vehicles. In addition, products that are not in working order are excluded. Be sure to log in to your Discover card account to view all of the types of purchases that are excluded, as well as the complete terms and conditions of this policy.
How to File A Claim
When you are dissatisfied with a product, you should first attempt to return it to the store you purchased it from. But if your return is denied, you may have the option of filing a Return Guarantee claim, so long as it is a covered item and you file the claim within 90 days of purchase. To file a claim, simply contact Discover at 1-800-DISCOVER (1-800-347-2683), Monday through Friday, 8 a.m. to 8 p.m. (ET), and Saturday from 8 a.m. to 12 p.m. (except holidays). Of course, cardmembers can get in touch with Discover 24/7 if they have questions related to their card’s benefits.
After your claim has been filed, you will have to submit any requested documentation, postmarked within 30 days of the date the claim was filed. The required documentation will include a completed and signed claim form, the Discover statement showing the original purchase price and the sales receipt indicating the purchase date, store, item and amount. Finally, you may be asked to return the purchased item in the original packaging to the Claims Administrator within 30 days, and you will be responsible for all mailing costs. Once your claim is approved, reimbursement will be mailed to you within just 15 days.
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Advantages of Discover’s Return Guarantee Program
This benefit allows you to shop with confidence, knowing that you may have an additional opportunity to return an eligible purchases that you are not completely satisfied with. And since you have up to 90 days to submit a claim, and another 30 days to provide documentation, you will not be under the deadline of some merchants that may only offer 30 or 60 days to return an item.