Can You Get Cash Back With a Credit Card?

Learn More About: Getting Cash Back From a Credit Card

  • Many credit cards offer cash back rewards on purchases.
  • Cash back rewards cards provide rewards based on percentages of spending and/or certain spending categories.
  • Some cash back rewards cards offer a welcome bonus in the form of additional rewards.

Want to earn cash back on credit card purchases? Many credit cards offer cash back rewards, but not all do—which means that if you want to know how to get cash back with a credit card, you need to start by choosing a card that offers cash back instead of points or miles.

How to Get Cash Back From a Credit Card

Here’s a step-by-step guide to help you understand how to choose a cash back card, how to get cash back on a credit card that rewards everyday purchases, and how to redeem cash back rewards.

Choose a Cash Back Rewards Card

Start by choosing a credit card that offers cash back rewards instead of miles or points. The Discover it® Cash Back Credit Card, for example, lets you earn 5% cash back on everyday purchases at different places each quarter like, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.* Plus, earn 1% cash back on all other purchases.

When you’re thinking about how to get cash back from a credit card, don’t just look at the cash back you can earn when you shop. Make sure you compare each credit card’s welcome bonus, too—because these bonuses often come with serious earning potential. With Discover Cashback Match, we’ll automatically match all the cash back you’ve earned at the end of your first year.* There is no limit to how much we’ll match.

Charge purchases that earn cash back rewards to your credit card

Some credit cards offer the same flat-rate cash back percentage on all qualifying purchases. Other cash back credit cards offer a higher percentage of cash back on popular spending categories such as gas and restaurants. A small number of cash back cards allow cardholders to earn additional rewards in bonus categories. For example, the Discover it® Cash Back Card lets you earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases—automatically.

Can you get cash back from a credit card through categories that don’t match your day-to-day spending habits? Of course—but if you want to earn as much cash back as possible, try to pick a card that offers its highest level of rewards for your everyday spending.

Redeem your cash back rewards

How do you redeem cash back rewards? Many credit card issuers allow you to redeem rewards for statement credits, gift cards, online purchases, and more. When you’re ready to redeem cash back from your credit card, simply log into your online account or credit card app and follow the instructions to redeem your cash back rewards.

Discover offers several ways to redeem cash back rewards, including redeeming for cash, statement credits, gift cards, and charitable donations.

Plus, your Discover cash back rewards never expire—and you can redeem for cash any amount, any time.*

Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.

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.

Rewards Redemption: Your rewards never expire. We will credit your account or send you a check with your rewards balance if your account is closed or if it has not been used within 18 months.

Amazon is not a sponsor of this promotion. Amazon, the logo, the smile logo and all related marks are trademarks of, Inc. or its affiliates.

PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program.