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Discover cash back.

It's easy to earn cash back. Then, redeem it in any amount, any time—your cash back never expires1.

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Different Ways to Earn

5% Cash Back

Earn 5% cash back on everyday purchases at different places each quarter, up to the quarterly maximum when you activate.

NOW: Earn 5% at Restaurants and Drug Stores, now – March 31, 2024, on up to $1,500 in purchases, when you activate.2 

You'll still earn an unlimited 1% cash back on all other purchases – automatically.

View The 5% Calendar to pay with Cashback Bonus at Amazon.com

Different Ways to Redeem

Cash

Turn your rewards into cash in any amount, any time1 .  Redeem Cashback Bonus to pay any part of your bill, including your minimum payment.

Frequently Asked Questions

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.


It's completely free to activate. You can activate 5% Cashback Bonus using the Discover mobile app, your online account or by calling 1-800-DISCOVER (1-800-347-2683). 


And you'll still earn unlimited 1% cash back on all other purchases outside of the 5% program.

Rewards never expire1. 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. You may be unable to redeem rewards in some limited situations such as when you choose to use an electronic funds transfer to redeem rewards to a new (unverified) deposit account. Any gift card must have a minimum value of at least $5.00 to be redeemed.

No, there is no limit to the overall amount of Cashback Bonus you can earn, and you always earn cash back on every purchase. The 5% Cashback Bonus program does have a quarterly maximum and other special promotions may also include a cap.

  1. Redeem Any Amount Any Time: 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. You may be unable to redeem rewards in some limited situations such as when you choose to use an electronic funds transfer to redeem rewards to a new (unverified) deposit account. Any gift card must have a minimum value of at least $5.00 to be redeemed. See Cashback Bonus Program Terms and Conditions.

  2. 5% Cashback Bonus: For Discover it® and Discover® More® cardmembers only: Activate to earn 5% Cashback Bonus at Restaurants and Drug Stores from 1/1/24 (or the date which you activate 5%, whichever is later) through 3/31/24, on up to $1,500 in purchases. Restaurants purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Drug Store purchases include those made at stand-alone drug stores, pharmacies, online pharmacies, and some pharmacies located inside of retail stores.

  3. 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.

  4. Use Rewards with Apple Pay: The full dollar amount of the transaction will be charged to your Discover Credit Card and a corresponding credit for the amount of Rewards you choose to redeem will be credited to your Discover Card account as a statement credit that will post to your account within 72 hours. Per your cardmember agreement, you may be charged interest on the purchases that are charged to your credit card. We begin to impose interest charges on purchases from the day we add it to the daily balance. The statement credit applied to your credit card account only covers the redemption amount and does not cover any interest charges that accrue on the purchase. Statement credits may post in a different billing cycle than the corresponding credit card transaction. When using Pay with Rewards, your Discover Card must have an available credit amount equal to, or higher than, the amount of your credit card transaction. Your Discover Card also must have an available Rewards balance. If your available Rewards balance is less than the amount you requested to redeem at the time we process your Rewards redemption, we will process the redemption using your available Rewards balance. All transactions are subject to the merchant’s standard refund and return policies. Pay with Rewards redemptions are final, non-refundable and non-reversible. Redemptions expire if merchants do not authorize on your card within 24 hours of checkout. Discover does not control when merchants choose to authorize. To use Pay with Rewards, you must enroll an eligible Discover Card and accept the Pay with Rewards terms and conditions. To use this feature, you must have an iPhone or iPad updated to the latest software version. Pay with Rewards is only available on eligible Discover Card types. Pay with Rewards is limited to eCommerce transactions conducted online and in-app. Your available Rewards balance and other data may be delayed due to a variety of factors, including internet service. Pay with Rewards is only available to U.S. users. For complete details on how to Pay with Rewards, see Terms and Conditions. See Rewards Program Terms and Conditions for more information. For a list of compatible Apple Pay devices, see https://support.apple.com/en-us/HT208531. Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.

     

  5. 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.

  6. Gift Cards: Subject to availability. See gift cards for details, terms, conditions and (if applicable) fees. All trademarks are property of their respective owners. Product may not be available in all states. The gift cards featured are not sponsors or otherwise affiliated with this company.

  7. Cashback Match: We'll match all the cash back 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 earn cash back 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; or rewards transfers from Discover checking or other deposit accounts. Your account must be open and in good standing to receive your Cashback Match. This offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.