Man laughs as he sits with friends during meal.

Can You Get Cash Back With a Credit Card?

Published June 7, 2022
3 min read

Learn More About: Getting Cash Back From a Credit Card

  1. Many credit cards offer cash back rewards on purchases.

  2. Cash back rewards cards provide rewards based on percentages of spending and/or certain spending categories.

  3. Some cash back rewards cards offer a welcome bonus in the form of additional rewards.

Want to earn cash back on credit card purchases? Many credit cards offer cash back rewards, but not all do—which means that if you want to know how to get cash back with a credit card, you need to start by choosing a card that offers cash back instead of points or miles.

How to get cash back from a credit card

Here’s a step-by-step guide to help you understand how to choose a cash back card, how to get cash back on a credit card that rewards everyday purchases, and how to redeem cash back rewards.

Choose a cash back rewards card

Start by choosing a credit card that offers cash back rewards instead of miles or points. The Discover it® Cash Back Credit Card, for example, lets you earn 5% cash back on everyday purchases at different places each quarter like Amazon.com1, grocery stores, restaurants, gas stations and when you pay using PayPal2, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases.

When you’re thinking about how to get cash back from a credit card, don’t just look at the cash back you can earn when you shop. Make sure you compare each credit card’s welcome bonus, too—because these bonuses often come with serious earning potential. With Discover Cashback Match, we’ll automatically match all the cash back you’ve earned at the end of your first year.3 There is no limit to how much we’ll match.

Charge purchases that earn cash back rewards to your credit card

Some credit cards offer the same flat-rate cash back percentage on all qualifying purchases. Other cash back credit cards offer a higher percentage of cash back on popular spending categories such as gas and restaurants. A small number of cash back cards allow cardholders to earn additional rewards in bonus categories. For example, the Discover it® Cash Back Card lets you earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases—automatically.

Can you get cash back from a credit card through categories that don’t match your day-to-day spending habits? Of course—but if you want to earn as much cash back as possible, try to pick a card that offers its highest level of rewards for your everyday spending.

Redeem your cash back rewards

How do you redeem cash back rewards? Many credit card issuers allow you to redeem rewards for statement credits, gift cards, online purchases, and more. When you’re ready to redeem cash back from your credit card, simply log into your online account or credit card app and follow the instructions to redeem your cash back rewards.

Discover offers several ways to redeem cash back rewards, including redeeming for cash, statement credits, gift cards, and charitable donations.

Plus, your Discover cash back rewards never expire—and you can redeem for cash any amount, any time.4

Was this article helpful?

9999
Thank you for your feedback!