Discover’s PayPal Pay with Rewards Terms and Conditions


Last modified: August 20, 2020

In order to redeem your Cashback Bonus or Miles (collectively "Rewards") for purchases made through the PayPal pay with rewards program ("Pay with Rewards"), your Rewards account must be enrolled through PayPal, and your Discover card account must be in good standing. By paying with your Rewards when you make a purchase using PayPal, you agree to these terms and conditions (the “PayPal Pay with Rewards Terms and Conditions” or the “Agreement”). PayPal Pay with Rewards is currently limited to the Discover it®, Discover it® Chrome, Discover Student it®, Discover Student it® Chrome, Discover it® Secured, Discover it® Miles and More credit card accounts (each a "Card account" and collectively “Card accounts”).

You authorize and request Discover Products Inc. (including its affiliates, “Discover”) to provide PayPal, Inc. and/or its affiliates (“PayPal”) the information about your Rewards balance associated with your Card account, including if your account number or other information changes.

All Pay with Rewards redemptions are subject to the terms of your Cardmember Agreement and Rewards Terms and Conditions (collectively the “Discover Agreements”). Pay with Rewards is only available for eligible purchases with certain merchants. PayPal or Discover, may limit, suspend, or terminate your ability to redeem Rewards at any time, in accordance with this Agreement, your Discover Agreements and PayPal’s terms and conditions. Discover’s PayPal Pay with Rewards Terms and Conditions are subject to change at any time, without notice. Please review these PayPal Pay with Rewards Terms and Conditions regularly because it may change. We will post notice on this page of any modifications we make to this Agreement. We reserve the right to stop providing Pay with Rewards at any time.

Your Reward(s) balance will be linked to your PayPal account using the Card account enrolled in Pay with Rewards. Rewards from multiple Card accounts or multiple rewards programs at PayPal cannot be aggregated for a single order and purchases will be paired with the credit card associated with the rewards program purchase. If your Card account is linked to a PayPal account that is not your own, or you allow others to access your PayPal account in which you have enrolled your Card, your Rewards balance will be displayed and your Rewards will be available for their use.

Discover will debit the Rewards amount that you have elected to redeem for your purchase from your Rewards balance when the transaction is processed. If your available Rewards balance changes or becomes unavailable before your payment is processed, or if you modify your final checkout purchase amount, your PayPal transaction may fail to process, a lesser amount of Rewards may be used, or no Rewards may be used. There is no fee to redeem your Rewards with PayPal. If you do not have enough Rewards, you must pay for the remainder of your purchase with the Card account from which the Rewards were applied.

Purchases made with Rewards will be subject to the merchant and/or PayPal’s standard return policies. Generally, for fully canceled 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 account. PayPal or the merchant from which the Rewards purchase was made may determine to credit the return to the other payment methods used for the applicable purchase before crediting rewards to your Rewards account when processing a cancellation or refund. Items that may not be purchased using Pay with Rewards include, but are not limited to peer to peer transfers, recurring billing and non-US Dollar transactions. PayPal’s terms and conditions apply.

If you have questions regarding your Rewards or your Discover card account, please contact Discover at 1-800-Discover (1-800-347-2683).