Cash Back Credit Cards

You earn cash back. We match.

Only Discover® automatically matches all the cash back you've earned at the end of your first year.1

No annual fee

Discover it cash back credit card

Discover it® Cash Back

x Average of x Reviews

Earn 5% cash back on everyday purchases at

different places each quarter like*

Grocery stores


Gas stations

When you pay using PayPal**


up to the quarterly maximum when you activate.


Earn unlimited 1% cash back on all other purchases automatically.

Discover cash back chrome  credit card

Discover it® Gas and Restaurants

x Average of x Reviews

Earn 2% cash back at


Gas Stations

Restaurants (including cafes and fast-food)


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


Earn unlimited 1% cash back on all other purchases automatically.

Discover NHL Card

NHL® Discover it®

Earn the same rewards on purchases as Discover it® Cash Back. Put your favorite NHL® team on your card.

Discover cash back card benefits

Low Intro APR

0% Intro APR for 14 months on purchases and balance transfers and 3% Intro Balance Transfer Fee until . Then 11.99% to 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply. And there's no annual fee.

Check for pre-approved offers and apply for a Discover Credit Card

Ready to apply for a Discover credit card?

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

Bring your account with you on-the-go

{rating} average out of {total} ratings on the App Store as of {date}

Set alerts, redeem rewards, view your FICO® Score for free4 and more, all from your smartphone, tablet or wearable.

Discover App lets you see recent activities related to your account

Learn about cash back credit cards

Credit card issuers offer cash back programs to help cardholders earn rewards on purchases with their card. In general, your rewards credit card earns a percentage back of your purchase. And depending on the card, different purchases will qualify for different rewards. You see your rewards each month on your billing statement.

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


•   Flat-rate cash-back card. Some cash-back cards offer the same percentage of cash back on every purchase, which can be 1% cash back or 1.5% cash back or another amount. 

•   Static category cash back cards. Some cash back credit cards offer a higher rate of rewards within a certain category (like travel, dining, gas or groceries) within a certain timeframe or beneath a certain spending threshold. These cash back cards may have a standard cash-back offer across all your other purchases. 

•   Different category cash back cards. With a cash back credit card that rewards you at different places, you will earn a higher rate of cash back for qualifying purchases, such as those within a spending category (like travel, dining, gas or groceries), within the spending threshold and time frame you’ve activated. But throughout the year, the categories may rotate (like home improvement or online shopping) to provide more relevant options for accelerated cash back earn rates. Additionally, these cash back cards may have a standard cash-back offer across all your other purchases.

Your card will determine which types of purchases are eligible for cash back rewards. Discover cash back cards allow you to earn cash back on every purchase, with bonus rewards offered for some of our cash back cards on qualifying purchases like gas, groceries and more.

To get the most out of your Discover cash back credit card rewards, just use your card on every purchase. All Discover purchases earn rewards. And be aware of any spending category bonuses on your card, which can include purchases like gas, groceries, dining and more. When you put regular expenses on your cash back credit card and repay them in full on every monthly statement and on time, you can earn rewards without paying interest charges from carrying a balance.

Some cash back credit cards include bonuses for spending within certain categories: 


•   Groceries. Spending at the supermarket with your cashback credit card can earn more rewards, depending on your card. So you can get rewarded on your regular weekly or monthly household expense. Take care to note the eligible stores for this type of bonus, so that your usual supermarket is included in the cashback program. If your market is part of a larger warehouse store, for example, it may fall under a different category than a traditional grocery store. 

•   Gas. Another regular expense that often gets included in cashback spending category bonuses is gas stations. Purchases made at most brand-name gas stations can be covered by this bonus and may include purchases made at the affiliated convenience store. Again, be sure that your cashback reward bonus is offered for the gas station most convenient to you and your family. Gas stations attached to warehouse stores, for example, may not qualify for the same rewards as separate gas stations.

•   Dining. Eating take-out, delivery, or dining in can provide extra rewards for some cash back cards. This can be great if you often lead group meals, allowing you to cover the cost while earning the cashback discount from your card. 

•   Retailers. Some cash back cards will partner with larger retailers to provide bonus rewards for spending at that store. This can extend your cashback rewards bonuses to a vast number of things you can purchase.

There are a few key elements to a cash back card that can help you find the card that best aligns with your budget, common expenses and rewards.

   Annual Fee

Cash back cards with an annual fee are only valuable if the cash back you earn outweighs the annual fee you would pay. That can mean carefully watching if you’ve earned enough. But with Discover, the math is easy. Because the Discover it cash back card has no annual fee.

   Eligible Purchases

Cash back credit cards may provide extra rewards on eligible purchases within an amount you can spend or a timeframe for your purchase. Discover cash back credit cards provide you with cash back on every purchase, with cards that let you earn more on qualifying purchases.

   Redemption Program

If you want options other than redeeming rewards directly for cash, consider using your cash back as a statement credit against your balance. Discover also allows you to convert Cashback Bonus® into gift cards from major retailers, donate it to a charity of your choice, check out at* or pay using PayPal**.

   Bonus Categories

If a cash back card offers accelerated cash back rates within certain spending categories or brands, be sure to adjust your current spending to get the most from these categories, so you can get the most from your cash back program.

   Your Qualifications.

Check your credit score to see which cash back cards can earn approval given your credit history. Discover offers a Free Credit Scorecard that shows your credit score for free.

To encourage cardholders to use a card, many card issuers offer cash back programs that provide direct savings on purchases made with the card. Some cash back cards will cover any expenses made with the card, while others may limit the maximum cash back award or where qualified purchases can be made. Some cash back programs will include bonus cash back rates for certain time periods or categories of purchases. Check to see when an issuer calculates cash back and then decide how you want to redeem the cash back.

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