Cash Back Credit Cards

Find the best Discover cash back credit card for you.

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

No annual fee

Discover it® Cash Back Credit Card

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Earn 5% cash back on everyday purchases at

different places you shop each quarter like

 

Grocery stores

Restaurants

Gas stations

 

up to the quarterly maximum when you activate.

 

Plus, earn 1% cash back on all other purchases.

 


Discover it® Gas and Restaurants

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Earn 2% cash back at

 

Gas Stations

Restaurants (including cafes and fast-food)

 

on up to $1,000 in combined purchases each quarter, automatically.2

 

Earn unlimited 1% cash back on all other purchases.

 


Benefits of Discover cash back credit cards

How to choose the best cash back credit card for you

Low Intro APR

x% Intro APR for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until . Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

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Ready to apply for a Discover credit card?

 

Checking for pre-approval won't hurt your credit score.

 

Bring your Discover account with you
on-the-go

Use your Discover student login to set alerts, viewing your Credit Scorecard will never impact your FICO® Score4 and more, all from your smartphone, tablet or wearable.

 

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Learn about cash back credit cards

A cash back credit card lets you earn cash back rewards as a percentage of the amount you spend. Some cards may offer a higher level of cash back in select categories.

Each cash back credit card has its own rules, but they all provide a percentage of your purchase as cash back. Some may offer a flat rate of cash back on every purchase, while others may let you earn higher levels of cash back in select categories.

 

We’ll automatically match all the cash back you’ve earned at the end of your first year.1

Groceries. Some cash back cards earn higher levels of rewards for spending in eligible grocery stores. 

 

Gas. A gas credit card may offer a higher percentage of cash back on gas station purchases, including non-gas purchase in the station's convenience store.

 

Dining. Restaurant dining, take-out or food delivery may qualify for extra cash back rewards.

 

Retailers. Some cash back rewards cards may offer bonus cash back for purchases at a specific store.

With your Discover card, cash back rewards never expire.5 Other cards may have cash back rewards that expire. Check the terms before you apply.

Cash back redemption options may include a statement credit, a cash deposit into your bank account, gift cards, charitable donations, and payment for purchases.

Your specific credit card will determine which types of purchases are eligible for cash back rewards. Discover cash back credit cards let you earn cash back on every purchase, with certain cards giving bonus rewards offered on eligible purchases such as gas or groceries.

To get the most out of your Discover cash back credit card rewards, use your card on everyday purchases. If your card is eligible, you earn higher levels of cash back rewards  on your card in rotating categories when you activate the program up to the quarterly maximum. All Discover credit card purchases earn rewards.

Generally, there are three types of cash back credit cards:

 

  • Flat rate. Some cash back cards offer the same percentage of cash back on every purchase, such as 1% cash back or 1.5% cash back.
  • Bonus categories. Some cash back credit cards offer a higher rewards rate for purchases within a certain category (like travel, dining, gas or groceries), with a lower rewards rate for other purchases.
  • Rotating categories. Some cash back credit cards earn a higher rate of rewards in categories that rotate throughout the year, with other purchases earning your standard rewards rate.
Inward Curve


Learn more about cash back credit card rewards

Inward Curve
  1. Cashback Match: Only from Discover as of December 2023. 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.

  2. You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. Calendar quarters begin January 1, April 1, July 1, and October 1. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. 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, and some public electric vehicle charging stations. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that 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 earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.

  3. Acceptance: According to the Feb 2023 issue of the Nilson Report.

  4. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.


    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request.

  5. Rewards Redemption: 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.

  6. 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.

  7. 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.

  8. $0 Fraud Liability: An “unauthorized purchase” is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at Discover.com/fraudFAQ.

  9. About product reviews: We calculate the average product rating based on ratings that customers submit. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. If a review is excluded, the associated rating is not calculated in the average product rating.

  10. Online Privacy Protection: Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. Types of personal information found on these sites will vary.

  11. 100% U.S. Based Customer Service: You can reach a live agent any time by calling 1-800-Discover (1-800-347-2683). Certain specialized customer service agents may not be available 24/7.

  12. Build credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build credit.

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