Pay with your rewards at millions of online stores

Conveniently pay with your rewards using PayPal*

  1. 1

    Make sure your account is linked with PayPal so you're ready for checkout. See If You're Linked

  2. 2

    When checking out online or in apps, choose PayPal and then select Discover as your payment method.

  3. 3

    Enter the amount of Cashback Bonus you'd like to apply to your purchase. $1 Cashback Bonus = $1 with PayPal.

Frequently Asked Questions

It lets you pay with your Cashback Bonus® (or Miles) for purchases made through the PayPal wallet. You have to be enrolled in the program to be able to pay with your Cashback Bonus.

There are 2 ways to enroll in Pay with Rewards.

  1. From the Discover website, you can link your account and enroll in Pay with Rewards per the steps on the Link to PayPal linking page login PayPal linking page.
  2. From the PayPal wallet, please follow the steps below:
    • Log in to your PayPal wallet
    • Click on the wallet from the top navigation menu
    • Select Discover card from the left side navigation menu
    • Click on "Get Started" where it says "Start Spending our Cashback Bonus®"
    • Click on "Agree and Link" on the next page
    • Click on "Done" to come back to the main page

Once you have enrolled in Pay with Rewards, you can pay with your Cashback Bonus at checkout following the process below:   

  • Click on the PayPal button on the merchant checkout page on the merchant app
  • Log in to the PayPal wallet
  • Select the Discover card which has been enrolled in Pay with Rewards
  • Select "Use Cashback Bonus®" or "Use Miles" depending on the type of card you have
    • The amount is defaulted to either the total purchase amount or your Cashback Bonus/Miles amount, whichever is lesser
    • You can click on "Change Amount" to change the amount of Cashback Bonus/Miles that you want to apply toward the purchase
  • Click on "Continue" once you have selected the amount of Cashback Bonus/Miles you want to apply
  • You will be taken to merchant checkout to complete the transaction

If you don't already have an account with PayPal, you can easily sign up for one during the linking process.

You can enroll the following Discover cards into the Pay with Rewards program with PayPal:

  • Discover it®
  • Discover it® Miles
  • Discover it® Chrome
  • Discover More

You can't pay with your rewards when you make purchases that include recurring billing, in-store transactions, non U.S. dollar transactions or peer to peer (send money) transactions.

For fully cancelled or refunded transactions, the rewards portion of your original transaction will be refunded to your rewards balance and the card funded portion will be refunded to your card. If you split your payment between your rewards and your card, PayPal/the merchant will determine how to split the refund between your rewards balance and your card when processing the cancellation or refund.

You will continue to earn eligible Cashback Bonus or Miles on every purchase using your Discover card with PayPal. To view your individual card benefits, simply log into your Discover account. You will not earn any rewards on purchases (or part of the purchase) that is made with Cashback Bonus/Miles.

        To unenroll, simply follow the steps below:

  • Log in to your PayPal wallet
  • Click on wallet from the top navigation menu
  • Select your Discover card from the left side navigation menu
  • Click on "Details" where you see your available Cashback Bonus/Miles
  • Click on "Stop using Cashback Bonus® with PayPal" on the next page
  • Confirm you want to unenroll by clicking on "Stop using Cashback Bonus®" on the next page
  • Click on "Done" to come back to the main page

Adding your card to PayPal is an easy way to link your Discover card to PayPal without having to manually enter your card information. Plus, your account information will be automatically updated with PayPal in most cases if you are ever issued a new card.

If you freeze your credit card account, you will not be able to use your card in PayPal until you unfreeze your account. When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions (including at PayPal) and certain other exempted transactions.

* You may not see Pay with Rewards every time you check out. Not currently  available for sending money, recurring payments, and in-store transactions.


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