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
Discover it® Cash Back Credit Card
Discover it® Cash Back Credit Card

Discover it® Cash Back Credit Card
★★★★★
★★★★★

x Average of x Reviews9

See how we calculate our ratings

 

Apply Now

 

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.

 

Learn More

5% Cashback Calendar >

†See rates, rewards, fees, and other cost information > , Opens new window
Discover it® Chrome Gas and Restaurants Credit Card
Discover it® Chrome Gas and Restaurants Credit Card
Discover it® Chrome Gas and Restaurants Credit Card

Discover it® Gas and Restaurants
★★★★★
★★★★★

x Average of x Reviews9

See how we calculate our ratings

 

Apply Now

 

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.

 

Learn More

††See rates, rewards, fees, and other cost information > , Opens new window
NHL® Discover it® Credit Card
NHL® Discover it® Credit Card
NHL® Discover it® Credit Card

NHL® Discover it®

Apply Now

 

Earn the same rewards on purchases as Discover it®.

Learn More

†††See rates, rewards, fees, and other cost information > , Opens new window

Benefits that don't just talk the talk

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$0 Fraud Liability Guarantee

You're never responsible for unauthorized purchases on your Discover Card.8

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Free Social Security number alerts

Get an alert if we find your Social Security number on the dark web.3 Activate for free.

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Freeze your account

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.13

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FICO® Score and more

It's free and checking your score doesn't hurt your credit.4
Learn More

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Real human customer service 24/7

You can talk to a real human on our customer service team any time.10

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Tap to pay

It's fast and easy to pay with your contactless Discover Card.14

How to choose the best cash back credit card for you

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No Annual Fee
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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Bonus Categories

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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Redemption Program

Discover also lets you convert Cashback Bonus®️ into gift cards from major retailers. And you can use your rewards to shop: $1 Cashback Bonus® equals $1 to redeem at Amazon.com6 checkout and with PayPal.7

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Check Your Credit Score

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 the Discover it Secured Credit Card.11

Find out if I’m pre-approved

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.

3 Discover credit card designs

Ready to apply for a Discover credit card?

 

Checking your pre-approval status won't impact your credit score.12

 

Find Out if I'm Pre-Approved

Bring your Discover account with you
on-the-go

Use your Discover student login to set alerts, get your FICO® Credit Score, plus see important details that help make up your score for free4 and more, all from your smartphone or tablet.

 

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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, rewards won't expire for the life of the account.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, 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.
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Learn more about cash back credit card rewards

Can You Get Cash Back With a Credit Card? >

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.

How Do You Redeem Discover Credit Card Rewards? >

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? >

What is cashback and how does cash back work? These are key questions as cash back is a major selling point for credit cards these days

View all Cash Back Rewards Articles View all Cash Back Rewards Articles
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