You use your credit card all the time. Wouldn’t it be nice to be rewarded for your everyday purchases?

Discover it® Cash Back is a credit card that gives you cash back rewards on every purchase, allowing you to rack up bonuses to redeem at select merchants or for cash. Your Discover Cashback Bonus® never expires, and you can redeem it in any amount, at any time.

By understanding how the Discover Cashback Bonus® program works, you can earn cash back on the things you buy. Consider these guidelines to help you take advantage of Discover’s Cashback Bonus:

  1. Maximize Your Earning Potential
  2. Redeem Cashback Rewards in Any Amount, Any Time
  3. Make Your Purchases Work for You

1. Maximize Your Earning Potential

With a Discover it Cash Back card, you can earn 5 percent cash back at different everyday places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping (,, PayPal and more), up to the quarterly maximum each time you activate. Use the 5 percent Cashback Bonus® calendar to see the categories for each quarter.

The earning potential doesn’t stop there. You automatically earn an unlimited 1 percent cash back on all purchases you make with your Discover it® card.

Only Discover® Cashback Match automatically matches all the cash back you’ve earned at the end of your first year. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.1

2. Redeem Cashback Rewards in Any Amount, Any Time

Now that you’ve earned all that cash back, what can you do with it? Discover offers many ways to redeem what you’ve earned. Stocking up on gift cards? Get added value by using your Cashback Bonus to pay for them – gift cards start at only $5.

Prefer to just cash out? You have a choice between receiving a statement credit to your next credit card bill, or just having that cash deposited directly into your bank account. It’s a quick and easy way to pay yourself back.

You also have the option to pay with your Cashback Bonus® at and PayPal.

3. Make Your Purchases Work for You

By fully taking advantage of the Discover Cashback Bonus® program, your purchases work harder for you by earning you cash back rewards. But, remember, it’s still a good idea to try and pay your balance on time and in full each month. To help keep track of when you can pay off your balance, you may be able to calculate the interest and payoff time of any credit card with online tools, like the Credit Card Interest Calculator from Discover. The program is easy to use and accessible from the Discover website and mobile app. It’s one of the many benefits of card membership that makes the money you spend work harder for you.

*See details below for more information.

Published March 3, 2016

Updated January 7, 2021


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 rewards terms and conditions.

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.

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

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.

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

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