Intro APR Offer
x% intro APR† for x months on purchases and balance transfers and x% intro Balance Transfer Fee until x.
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Unlimited Cashback Match
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
Earn 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate.
Plus, earn 1% cash back on all other purchases.
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.
Unlimited Cashback Match
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
Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.2
Plus, earn unlimited 1% cash back on all other purchases.
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.
Unlimited Cashback Match
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
Earn 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate.
Plus, earn 1% cash back on all other purchases.
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.
The best value in a cash back credit card gives you the most rewards with the fewest fees. Discover cards have no annual fee.
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.
Discover also lets you redeem Cashback Bonus® for gift cards at popular brands. And you can use your rewards to shop.
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.
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.
Purchase APR: x% intro rate for x months, then x% variable to x% variable. Balance Transfer APR: x% intro rate for x months, then Purchase APR applies. Cash Advance APR: x% variable. Minimum interest charge: $.50. Cash advance fee: greater of $10 or 5% of the advance amount. Balance transfer fee: x% Intro fee of the amount transferred; x% fee for future transfers. Annual Fee: None. Rates as of .
You're never responsible for unauthorized purchases on your Discover Card.5
Get an alert if we find your Social Security number on the dark web.6 Sign up to activate this free benefit.
If you misplace your card, you can prevent new purchases and cash advances in seconds with the on/off switch on our mobile app and website.7
You can talk to a real human on our customer service team any time.8
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.
Learn how to choose a cash back credit card, how you can get cash back on everyday purchases, and how to redeem cash back rewards on your credit card.
Learn how to redeem your Discover card rewards. Get details about the Discover card rewards program, and how to redeem and maximize your credit card rewards.
What is cash back and how does cash back work? These are key questions as cash back is a major selling point for credit cards these days.