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MasterCard Marketplace Overwhelming Offers

Download of the Day: MasterCard Marketplace Overwhelming Offers

What could be more convenient than the best deals of the day delivered right to your phone? A new iPhone app called MasterCard Marketplace Overwhelming Offers by MasterCard does just that, delivering daily deals to users, often for big-ticket tech items. The app, which is free to download for MasterCard cardholders, gives you access to discounts of 50 percent or more on hot items like the new black Nintendo Wii and Summer-ready digital cameras, plus non-tech but lusted-after items like airline tickets just in time for travel season. The discounts are called "OOs" for "Overwhelming Offers," and are only available on a limited quantity of items, so once they're sold, they're sold. Each day, a new discount is posted at noon EST, and sometimes sells out in seconds! Sounds like a Woot to me, no? Users can also opt in to receive emails about upcoming deals, assuring themselves they won't miss out.

Sound good? To find out more about the buying process (including a notable downside), just keep reading.

If you do decide to buy an item through the app, you first must put it on reserve for up to three days — that way, you'll have a little time to do some comparison shopping. Good! But here's the problem: you actually purchase the items at full price, then receive a credit on your account — a process that could take up to two to three weeks. Bad.

Though the discounts aren't immediate, if you're a MasterCard credit or debit card holder, there's no harm in downloading the free app, which could save you some serious cash if you're looking to make a big purchase in the near future.

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