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Discover and Apple Pay

A whole new way to redeem your rewards!

Great news, you have a new reason to add your Discover® Card to Apple Pay. Now introducing: Pay with Rewards with Apple Pay. Activate to start redeeming your Cashback Bonus®, online or in-app, right at checkout with Apple Pay.1 Your card will be charged for the purchase, then you'll get a statement credit for the amount redeemed.

This feature is only available on iPhone or iPad.1

Gives you an extra layer of security2

  • Discover with Apple Pay purchases require Face ID or Touch ID to authenticate.
  • You’re never responsible for unauthorized purchases on your Discover Card account.3
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Starbucks, Target, and Best Buy Logos

Setting up your card is simple

Just log in to your Discover account to quickly add your card. Here's how. Then you can check out on your iPhone®, Apple Watch®, iPad® or Mac®.

If you prefer, you can use the Apple Wallet App to add your Discover Card to multiple devices all at one time.

Earn rewards where you shop

In stores, online, and in apps, use Discover with Apple Pay to tap, pay, and earn rewards. Just look for these symbols at checkout:

Contactless LogoApple Pay Logo
Hand holding mobile device to tap pay
An iPhone displaying a Discover Card in Apple Pay with completed payment, inside a teal circle.

NEW! Pay with Rewards with Apple Pay

How to start redeeming

Number one icon.
Add your card to Apple Pay to activate this new feature.
Number two icon.
Select your Discover Card at checkout when you're shopping online or in-app with Apple Pay. Then choose the Cashback Bonus amount you’d like to redeem.
Number three icon.
Pay with your card, then get a statement credit in the amount you choose to redeem.

Apple Pay is accepted at the places you love

Digging around for your wallet and card is a chore of the past. Add your Discover Card to Apple Pay for an easy, contactless way to check out at millions of merchants.

How to use Apple Pay

Apple Pay merchants

Frequently Asked Questions

While most Apple devices work with Apple Pay, some older models might not be compatible. To see if yours is eligible, check out the full list of devices here.

There is no cost to cardmembers who use their Discover card in Apple Pay. However, your Discover card's terms and conditions will apply for purchases. Also, additional message and data charges may apply depending on your wireless plan.
You may continue to use your plastic card as you usually would after you add your Discover card to Apple Pay.
You receive notifications when purchases are made using Apple Pay. To turn these notifications off, go to "Settings" and tap "Wallet & Apple Pay". From there select your added Discover card and turn your "Card Notifications" off. Please note that by turning off your "Card Notifications", you will no longer see transaction notifications or your purchase history in Apple Pay.
Yes, your ten most recent transactions made using Discover Card in Apple Pay will be displayed.

At online or in-app checkout, select how much Cashback Bonus® or Miles you'd like to redeem. Your card will be charged for the purchase, then you'll get a statement credit for that amount redeemed.1


In-store transactions are not supported.


See Pay with Rewards Terms and Conditions for complete details on limitations. 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.

Eligible cards include Discover it®, Discover it Chrome, Discover it Miles, Discover it Student, Discover it Student Chrome, Discover More, and Discover it Secured Credit Cards.

You can redeem your rewards where Apple Pay is accepted online and in-app.

Look for the Apple Pay button at checkout. Rewards will appear as a selectable option during checkout at supported merchants.


In-store transactions are not supported. See Pay with Rewards Terms and Conditions for complete details on limitations.

1. 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.

2. All Apple Pay transactions require authentication with Face ID®, Touch ID®, or passcode. In addition, when you use Apple Pay, your real card number is never shared with merchants. Learn more about Apple Pay security and privacy https://support.apple.com/en-us/HT203027. Apple Pay, Face ID, and Touch ID are trademarks of Apple Inc.

3. An "unauthorized purchase" is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends.  Learn more at Discover.com/fraudFAQ.

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.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

BEST BUY® and the Best Buy logo are trademarks of BBY Solutions, Inc.