Pay with Rewards Terms and Conditions


Last modified: January 24, 2024

In order to redeem your Cashback Bonus® or Miles ("Rewards") for purchases made at through the “Pay with Rewards” program (“Pay with Rewards”), you must complete the Pay with Rewards enrollment process and agree to the following terms and conditions. Enrollment is currently limited to the Discover it®, Discover it Chrome, Discover it Miles, Discover it Student, Discover it Student Chrome, Discover More, Discover it Business, and Discover it Secured Credit Cards ("Card").

We may prevent you from redeeming your Rewards based on your account status. Discover® and reserve the right to restrict your use of Pay with Rewards or to unenroll your Rewards account from your account at any time in our sole discretion, including when we suspect misuse or fraud.

Your Rewards balance will be linked to your account using the Card you selected. If your Card account is linked to an account that is not your own, or you allow others to access your account in which you have enrolled your Card, your Rewards balance will be displayed and your Rewards will be available for their use. To enable you to use Pay with Rewards to purchase eligible items, Amazon Services LLC and its affiliates (collectively, "") may share information that you have provided to with Discover Bank and its affiliates (collectively, "Discover") and vice versa. This information sharing allows Discover to link your Card to your account and, once enrolled, Discover may provide with information about your Rewards account, including your Rewards balance. may also share information that you have provided to with Discover so that Discover can perform its functions with respect to the Pay with Rewards program, including processing payments made with Rewards.

Your Rewards balance will be reduced to reflect the amount of Rewards used towards your purchase once an order is submitted. There is no fee to redeem your Rewards at If you do not have enough Rewards to redeem for the entire amount, or you only want to use Rewards to pay for part of your purchase, you may use your Card, or an Gift Card, to pay for the remainder of your order.

Certain items at are not eligible (and may not be eligible at any other participating platform) for purchase using Rewards, and these items may change at any time. Items that currently may not be purchased using Pay with Rewards include some digital goods, Subscribe and Save items, or Amazon Fresh. Rewards may not be used when making purchases with 1-Click. At this time Rewards can only be redeemed for online orders at and are not redeemable over the phone.

Returns are subject to’s returns policy. If accepts a return for an item you purchased using only Rewards, those Rewards will be credited to your Rewards account. If accepts a return for an item you purchased using Rewards and another payment method, may, in its sole discretion, credit the return to the other payment method before crediting Rewards to your Rewards account.

If a refund of your Rewards cannot be processed by Discover for reasons including but not limited to (a) closure of your Card account, (b) closure of your Rewards account, or (c) conversion of your Rewards to a non-reward account, will issue an Gift Card to you for an amount equal to the value of the Rewards used towards your purchase. terms and conditions apply. Additional Rewards Program Terms and Conditions apply. Please see your Rewards Program Terms and Conditions for full details. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you may use the Discover Card from which the rewards were applied or an Gift Card to pay for the remainder of your purchase. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Shop with Points in conjunction with the rewards transaction.

Additional Discover Pay with Rewards information is available. If you have additional questions about paying with Cashback Bonus, visit If you have additional questions about paying with Miles, visit If you have questions regarding your Rewards or your Discover Card account, please contact Discover at 1-800-Discover (1-800-347-2683).