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Cash Back Credit Cards

Find the best Discover cash back credit card for you

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Cash Back Credit Cards

Intro APR Offer

x% intro APR for x months on purchases and balance transfers and x% intro Balance Transfer Fee until x.

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

Intro APR Offer

x% intro APR for x months on purchases and balance transfers and x% intro Balance Transfer Fee until x.

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

Intro APR Offer

x% intro APR for x months on purchases and balance transfers and x% intro Balance Transfer Fee until x.

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

Intro APR Offer

x% intro APR for x months on purchases and balance transfers and x% intro Balance Transfer Fee until x.

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

Intro APR Offer

x% intro APR for x months on purchases and balance transfers and x% intro Balance Transfer Fee until x.

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

 

Intro APR Offer

x% intro APR for x months on purchases and balance transfers and x% intro Balance Transfer Fee until x.

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

How to choose the best cash back credit card for you

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Smiling couple seeing each other

The best value in a cash back credit card gives you the most rewards with the fewest fees. Discover cards have no annual fee.

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Father carrying baby with wife

Cash back credit cards may provide extra rewards on select categories. Discover cash back credit cards let you earn cash back on every purchase, with a higher percentage of cash back in select categories.

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Women Shopping

Discover also lets you redeem Cashback Bonus® for gift cards at popular brands. And you can use your rewards to shop.

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Women with coffe mug

Your credit history will help determine which cash back credit card you qualify for. People with excellent credit may qualify for a low intro APR cash back rewards card. If you don’t have excellent credit, build your credit history with responsible use3 with the Discover it® Secured Credit Card.

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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

Depending on the Discover Card you have, you may earn higher rates of rewards in certain spending categories.

 

For example, the Discover it® Gas and Restaurants Card lets you earn 2% Cashback Bonus® at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.2

 

Or consider the Discover it® Cash Back Credit Card, where you may 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.

 

Compare all Discover Cards to choose the one that best aligns with how you typically shop.

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

With your Discover card, rewards won't expire for the life of the account.4 Other cards may have cash back rewards that expire. Check the terms before you apply.

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.

Benefits that don't just talk the talk

Discover it® Cash Back Credit Card

Start out right with our low intro APR

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

 

No annual fee

Learn more about cash back rewards credit cards from Discover

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