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How Does Discover Cashback Match Work?
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How Does Discover Cashback Match Work?

Last Updated: November 13, 2023
3 min read

Key Points About: Discover Cashback Match

  1. With Discover Cashback Match, we’ll automatically match all the cash back you’ve earned at the end of your first year. There is no limit to how much we’ll match.1

  2. Discover Match automatically matches all the Miles you’ve earned at the end of your first year.2

  3. To maximize your rewards, earn 5% cash back on everyday purchases at different places each quarter, up to the quarterly maximum when you activate.

Do you know about Discover’s Cashback program? This reward for Discover cardmembers allows you to earn cash back by making purchases with your Discover credit card and then redeeming your rewards in a variety of ways. Here’s what you need to know.

How does Discover Cashback Match give you unlimited cash back?

With the Discover Cashback Match program, get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we’ll match.1

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Once your new account is approved, you’re automatically enrolled in Cashback Match. Cashback Match is only available for new cardmembers.

How long does Cashback Match last?

Discover Cashback Match starts the day your new account is approved and goes through your first 365 days or 12 consecutive billing cycles, whichever is longer.

When do I get my Discover Cashback Match?

Within two billing periods of your Cashback Match ending, the final amount is added to your Cashback Bonus® account.

Maximize your Discover cash back rewards

There are ways you can earn even more rewards with the Discover it® Cash Back card. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases – automatically.

How much Cashback Match can I earn?

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we’ll match. 1 So, if you earn $20 cash back, we’ll give you another $20. Or if you earn $150 cash back, we’ll give you another $150.1

How can I find out how much Discover cash back I’ve earned so far?

While you’re in Cashback Match, you can track how much you’ve earned by visiting the Cashback Summary page.

Redeem your Discover cash back rewards for…

  • Cash – Redeem your Cashback Bonus® – any amount, any time.3
  • Pay With Cashback Bonus® – Use your rewards at Amazon.com4 checkout and with PayPal.5
  • Gift Cards – Get gift cards starting at only $5. Plus get an added bonus on every card!
  • Charity – Make a difference and donate to a charitable cause.

What happens if I redeem Cashback Bonus® before receiving my Cashback Match award?

You can redeem your Cashback Bonus® – any amount, any time.3 This will not impact your Match award. So any Cashback Bonus® that you redeem prior to Cashback Match ending will still be matched.

What Cashback Bonus® qualifies for Cashback Match?

All Cashback Bonus® earned while your account is enrolled in Cashback Match is matched. Cashback Bonus® is earned when it’s processed, which may be after the transaction date.

What Cashback Bonus® doesn’t qualify for Cashback Match?

Rewards that are processed after your Cashback Match ends are not matched. This also applies to Cashback Bonus® earned from promotional offers you may receive from Discover outside of your standard rewards program. Additionally, statement credits and transfers from Discover checking are not matched.

Did you know Discover will match the Miles you earn too?

New travel cardmembers can also enjoy this benefit with the Discover it® Miles card. Earn unlimited 1.5x Miles on travel purchases and all your everyday purchases. And with Discover Match®, we’ll automatically match all the Miles you’ve earned at the end of your first year. There is no limit to how much we’ll match.2

Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.6

Why didn’t I receive my Discover Cashback Match award?

If your account is closed, revoked, bankrupt, or charged-off before we calculate your Cashback Match award at the end of your Match earning period, your rewards will not be matched.

Important information
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Cashback Match: We’ll match all the cash back rewards you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You’ve earned cash back rewards only when they’re processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

Miles Match®: We’ll match all the Miles rewards you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You’ve earned Miles rewards only when they’re processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months.

Use Rewards at Amazon.com: For complete details on how to Pay with Rewards at Amazon.com see Amazon.com/DiscoverRewards. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates. 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 Amazon.com 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.

Use Rewards with PayPal: For complete details on how to Pay with Rewards with PayPal see PayPal.com/Discover. Pay with Rewards with PayPal will be available for eligible credit cards on eligible purchases or rewards can be donated to support a charitable cause with PayPal Giving Fund. To learn more about Pay with Rewards, see terms and conditions.

All reward redemptions are subject to Discover’s reward program terms. 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 must use the Discover Card from which the rewards were applied 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 Pay with Rewards in conjunction with the rewards transaction.
PayPal, and the PayPal logo are trademarks of PayPal and its Affiliates.
 

Redeem Miles: Starting at 1 Mile, you can redeem your Miles as a credit to your account to pay for all or part of your bill, for cash as an electronic deposit to your bank account, or for a credit for Travel Purchases made on your statement within the last 180 days. Travel Purchases include airline tickets, hotel rooms, car rentals, travel agents, online travel sites, commuter transportation, restaurants and gas stations. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible.

Even if a travel purchase on your statement appears to fit in a Travel Purchase category, the merchant may not have a merchant category code (MCC) in a Travel Purchase category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not be eligible for credit redemption if the technology does not provide sufficient transaction details or a qualifying MCC. See Terms and Conditions for more information.

Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.

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