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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 at different places each quarter, when you activate.

NOW: Earn 5% at Restaurants and PayPal from Now through September 2020 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 Full 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 . Deposit into your bank account or apply to your Discover bill as a statement credit.





Frequently Asked Questions

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

 

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

 

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

You can redeem as much or as little Cashback Bonus as you like, even a penny. Do this by paying at checkout at Amazon.com or with PayPal, applying it to your Discover bill, depositing to a bank account, applying statement credit, or donating to a charity. Only gift cards have a starting limit.

No, your rewards never expire. We will credit your account with your Cashback Bonus balance if your account is closed or if you have not used it within 18 months. Redemption may not be available for 24-48 hours if your card is reported lost or stolen.
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.

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Tips on earning and spending credit card rewards

  • How to Take Advantage of Discover’s Cashback Bonus

    Earn cash back on the things you buy every day and choose how you want to redeem your bonus from a variety of attractive options.

  • How Can I Double My Rewards with Discover Cashback Match?

    Find out how, with Discover's Cashback Match program, cardmembers can match their first-year rewards and then redeem them in a variety of ways.

More Tips to Maximize Rewards

  1. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. 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 PayPal from 7/1/20 (or the date on which you activate 5%, whichever is later) through 9/30/20, on up to $1,500 in purchases. Restaurant purchases include only those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. PayPal qualifying purchases are those made through the PayPal wallet online, when you send money to Friends and Family via PayPal using your Discover Card, and point-of-sale transactions using PayPal Here. Payments made through the Xoom transfer service are not eligible for 5%.  Any restaurant purchase made using PayPal will only be awarded a total of 5% Cashback Bonus. PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program. Certain digital wallet transactions qualify for 5%, for more information see Discover.com/digitalwalletsLink to Digital Wallets pages. Purchases made through third-party payment accounts, mobile or wireless card readers, virtual wallets or similar technology will not be eligible if the technology does not provide sufficient transaction details for rewards qualification. 5% Cashback Categories: In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) typically based on their line of business, or the type of products and/or services they primarily sell or provide. Discover Card does not assign MCCs to merchants. Even if you make purchases at a merchant of items that appear to fit in a rewards category, the merchant may not have an assigned MCC in that rewards category. Only purchases made from merchants located in the United States are eligible for 5% Cashback Bonus. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.

  3. Use Rewards at Amazon.com: For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/CashbackBonus. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates.

  4. Charity: Discover® Card will make an annual contribution to the organization that receives the most donations from our cardmembers.

  5. Use Rewards with PayPal: For complete details on how to Pay with Cashback Bonus with PayPal see PayPal.com/Discover. Pay with Rewards will be available for eligible credit cards on eligible purchases. All reward redemptions are subject to Discover’s reward program terms.

  6. Cashback Match: We'll match all the cash back rewards 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’ve earned cash back rewards 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; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

Different Ways to Earn

5% Cash Back

Earn 5% cash back at different places each quarter, when you activate.

NOW: Earn 5% at Restaurants and PayPal from Now through September 2020 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 Full 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 . Deposit into your bank account or apply to your Discover bill as a statement credit.





Frequently Asked Questions

You can redeem as much or as little Cashback Bonus as you like, even a penny. Do this by paying at checkout at Amazon.com or with PayPal, applying it to your Discover bill, depositing to a bank account, applying statement credit, or donating to a charity. Only gift cards have a starting limit.

No, your rewards never expire. We will credit your account with your Cashback Bonus balance if your account is closed or if you have not used it within 18 months. Redemption may not be available for 24-48 hours if your card is reported lost or stolen.
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.

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

 

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

 

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

  1. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. 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 PayPal from 7/1/20 (or the date on which you activate 5%, whichever is later) through 9/30/20, on up to $1,500 in purchases. Restaurant purchases include only those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. PayPal qualifying purchases are those made through the PayPal wallet online, when you send money to Friends and Family via PayPal using your Discover Card, and point-of-sale transactions using PayPal Here. Payments made through the Xoom transfer service are not eligible for 5%.  Any restaurant purchase made using PayPal will only be awarded a total of 5% Cashback Bonus. PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program. Certain digital wallet transactions qualify for 5%, for more information see Discover.com/digitalwalletsLink to Digital Wallets pages. Purchases made through third-party payment accounts, mobile or wireless card readers, virtual wallets or similar technology will not be eligible if the technology does not provide sufficient transaction details for rewards qualification. 5% Cashback Categories: In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) typically based on their line of business, or the type of products and/or services they primarily sell or provide. Discover Card does not assign MCCs to merchants. Even if you make purchases at a merchant of items that appear to fit in a rewards category, the merchant may not have an assigned MCC in that rewards category. Only purchases made from merchants located in the United States are eligible for 5% Cashback Bonus. Rewards are added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.

  3. Use Rewards at Amazon.com: For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/CashbackBonus. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates.

  4. Charity: Discover® Card will make an annual contribution to the organization that receives the most donations from our cardmembers.

  5. Use Rewards with PayPal: For complete details on how to Pay with Cashback Bonus with PayPal see PayPal.com/Discover. Pay with Rewards will be available for eligible credit cards on eligible purchases. All reward redemptions are subject to Discover’s reward program terms.