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Activating Cash Back deals

Selvakumar Kumar
Ranch Hand

Joined: Feb 18, 2007
Posts: 36
Most of the credit cards (if not all) I have needs me to Activate the cash back deals every quarter in order for me to avail the cash back deals.

What is the need activate it explicitly.
If they want me to avail the offer why not enable/provide me the offer whenever I use the card on that particular category each quarter.

At least 'activating' it every quarter is okay, compared to one of my card where they need me to pick the offer I need to use where they list me 30 available offers and the offer expires in next 20 days.

Though getting cash back is a welcome $100+ dollars annually, why do we need to manage which card to use each quarter for each category.

Your thoughts please.
Jayesh A Lalwani

Joined: Jan 17, 2008
Posts: 2553

They want to make it difficult for you, so you won't bother taking the cashback. Some companies do the same thing with rebates, too
Ernest Friedman-Hill
author and iconoclast

Joined: Jul 08, 2003
Posts: 24189

For what it's worth, I've never seen this practice; none of the cards our family carries requires this quarterly activation.

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Jeanne Boyarsky
author & internet detective

Joined: May 26, 2003
Posts: 31636

THere's two types. The getting a percentage cash back, I don't need to activate - as Ernest noted.

One card also has "bonus" cash back if you go to certain types of stores in a month/quarter. They do require you to activate those. I think it's a combination of making it hard to get and getting you to spend more money on the card.

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subject: Activating Cash Back deals