Rewards Credit Cards

Get cash back or travel rewards

Every Discover Card lets you earn rewards on every purchase, with no annual fee.

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Choose the best Discover rewards card for you

What types of credit card rewards can you get? All Discover rewards credit cards come with the same suite of security and service features. All Discover cards have no annual fee, and Discover is the only major credit card that gives all cardmembers an unlimited match of all the cash back earned at the end of their first year.1 No matter which card fits you best, a Discover rewards credit card gives you Miles or cash back with every purchase.

Discover Cards give you cash back on everyday purchases, and some give extra cash back in special categories.

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x / 5 Average of x Reviews 
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Earn 5% cash back

on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate.

Plus, earn 1% cash back on all other purchases.

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.1

New Intro APR
x% Intro APR for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until .

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

★★★★★
★★★★★
x / 5 Average of x Reviews

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Earn 5% cash back

on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate.

Plus, earn 1% cash back on all other purchases.

No annual fee

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.1

x% Intro APR for x months on purchases.

Then x% - x% Standard Variable Purchase APR will apply.

★★★★★
★★★★★
x / 5 Average of x Reviews

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Earn 2% Cashback Bonus®

at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.2

Plus, earn unlimited 1% cash back on all other purchases.

No annual fee

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.1

Build your credit with responsible use.3

xStandard

Variable Purchase APR applies.

Your credit line will equal your deposit amount, starting at $200.4

★★★★★
★★★★★
x / 5 Average of x Reviews

See how we calculate our ratings

Earn 2% Cashback Bonus®

at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.2

Plus, earn unlimited 1% cash back on all other purchases.

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.1

New Intro APR
x% Intro APR for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until .

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

★★★★★
★★★★★
Cards for all 32 teams

Earn 5% cash back

on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate.

Plus, earn 1% cash back on all other purchases.

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.1

New Intro APR
x% Intro APR for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until .

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

If you like to travel, or if you find that you spend your money in a lot of varied places throughout the month, the Discover it® Miles Card might have the best rewards structure for you with 1.5X Miles on every dollar of every purchase.11

★★★★★
★★★★★
x / 5 Average of x Reviews

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Earn unlimited 1.5x Miles

on every dollar of every purchase11— from hotels to groceries and online shopping.

Unlimited Discover Match®

We’ll automatically match all the Miles you’ve earned at the end of your first year.1 There's no signing up, no minimum spending or maximum rewards. Just a Mile-for-Mile match.

x% Intro APR for x months on purchases and balance transfers. x% Intro Balance Transfer Fee until .

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

★★★★★
★★★★★
x / 5 Average of x Reviews

See how we calculate our ratings

Earn 2% Cashback Bonus®

at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.2

Plus, earn unlimited 1% cash back on all other purchases.

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.1

New Intro APR
x% Intro APR for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until .

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

Or, if you find that you tend to spend most of your money on fuel at gas stations or food at restaurants throughout the year, you might prefer the Discover it® Chrome Card that lets you earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.2

★★★★★
★★★★★
x / 5 Average of x Reviews

See how we calculate our ratings

Earn 2% Cashback Bonus®

at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.2

Plus, earn unlimited 1% cash back on all other purchases.

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.1

New Intro APR
x% Intro APR for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until .

Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

★★★★★
★★★★★
x / 5 Average of x Reviews

See how we calculate our ratings

Earn 2% Cashback Bonus®

at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.2

Plus, earn unlimited 1% cash back on all other purchases.

No annual fee

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.1

Build your credit with responsible use.3

xStandard

Variable Purchase APR applies.

Your credit line will equal your deposit amount, starting at $200.4

★★★★★
★★★★★
x / 5 Average of x Reviews

See how we calculate our ratings

Earn 2% Cashback Bonus®

at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.2

Plus, earn unlimited 1% cash back on all other purchases.

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.1

x% Intro APR for x months on purchases.

Then x% - x% Standard Variable Purchase APR will apply.

How can you make the most of a rewards credit card?

Think about your immediate and your long-term needs. Do you need a balance transfer or a low intro APR? And after account opening, does your card reward you for the purchases you are most likely to make? Does the card have good security, customer service, and an annual fee that you can afford?

There are two factors to consider with any credit card rewards program: how you can earn and how you can redeem. You want to earn rewards where you spend money most frequently. But redeeming is almost more important: make sure your rewards are worth the same or more when you redeem them, and that you can use them in ways that are meaningful to you (things like cash, a statement credit to pay yourself back for travel, to make purchases at merchants, to get gift cards to your favorite brands, etc.).

Some rewards credit cards, like the Discover it® Cash Back credit card, have a base rewards earning rate AND extra rewards on certain purchases. Make sure you know when those bonus categories are active and how to maximize rewards on eligible purchases. Plus, once you have the rewards card you may be able to add it to your mobile wallet to make sure you always have it on hand to use and earn.

No matter what rewards credit card you have, remember that the reward percentage you earn likely isn't as much as what you are charged in interest on purchases. By paying your balance in full and on time, you avoid any interest charges that could cost you more than the rewards you racked up.

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How can you redeem your credit card rewards?

Use your rewards to shop for what you need or want. Earn cash back you can spend with Discover. One dollar earned is worth one dollar you can spend.5 And 100 Miles = $1 to redeem6.

You can redeem your rewards for cash or a statement credit. Discover lets you turn your rewards into cash or a statement credit. Redeem any amount, any time.7

Discover cash back credit cards also let you redeem for gift cards to popular brands. Get gift cards with at least 5% added value on every card.

Your rewards never expire.7

Rewards credit card FAQs

Credit card rewards are a way for you to earn spendable currency in exchange for eligible purchases-so it’s important to remember that the rewards points you earn are only valuable if you can use them for what you want, when you want.

There are lots of great rewards credit cards. But deciding which is the best rewards credit card for you depends on your unique needs, including your credit score and likelihood for credit approval. (If you don’t have a credit history or are new to credit, consider a rewards credit card like the Discover it® Secured Card or a Discover® Student Cash Back Card.) Once you know what rewards cards you are eligible for, consider the everyday rewards, bonus rewards, and annual fee of each credit card. And remember: a card with an annual fee may cost more than the rewards are worth.

No, you don’t have to pay income tax on rewards that you earn or redeem. If you use rewards as cash to pay for purchases, however, the purchases may be subject to sales tax as normal. Additionally, if you deposit your rewards as cash into an interest-earning savings account, you will be taxed on any interest earned.

First ask yourself what kind of rewards best fit your spending and lifestyle. Love to travel? The ultimate rewards card for you might be the Discover it® Miles Card, a travel rewards card that gives you 1.5x Miles on every single purchase with no annual fee. Turn Miles into cash. Or redeem as a statement credit for your travel purchases like hotels, rideshares, gas stations, restaurants and more.8  Discover is the only major credit card that gives you an unlimited match of all the Miles you've earned at the end of your first year.1

 

Or if you spend a lot on groceries, gas, or restaurants, the Discover it® Cash Back Card might be a better fit. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases-automatically. Only Discover has unlimited Cashback Match for all new cardmembers: we’ll match all the cash back you’ve earned at the end of your first year.1

 

Remember, Discover has no annual fee on any of our cards. 

Discover offers cash back and Miles rewards. Compare the rewards categories to see which ones match your spending habits or offers the rewards redemption you can use most.

If you're looking for a cash back rewards credit card, consider a cash back rewards card like the Discover it® Cash Back Card. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases-automatically.9 Other cash back rewards cards have different earnings categories. For example, the Discover Gas & Restaurants credit card lets you earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.2

If you prefer to earn Miles, check out the Discover it® Miles Card. Turn Miles into cash. Or redeem as a statement credit for your travel purchases like hotels, rideshares, gas stations, restaurants, and more.8 We automatically match all of the cash back or Miles that you’ve earned at the end of your first year. There’s no limit to how much we’ll match.1

No. Whether you earn cash back or Miles on your Discover Card, your rewards never expire.7 That means that you never have to worry about losing the rewards that you earned on your Discover it® Cash Back Card or your Discover it® Miles Card.

Every credit card rewards program is different, so don’t assume that all rewards credit card options are equal. Different cards may call their rewards different things, but generally credit card rewards are a form of currency earned as a percentage back of the amount that you charge on your credit card for purchases.

 

Your credit card issuer has rules about how you can redeem your rewards (which means how you can spend the rewards in the real world). Even a cash rewards credit card may have limitations about how you actually get the cash to use or apply conversion rates at redemption that reduce the value of the rewards that you’ve earned.

 

There’s no single rule that applies to every rewards credit card, so it’s a good idea to fully read the cardmember agreement that comes with your credit card to make sure you know how you can earn the most and get the most from your rewards.

Inward Curve

Read helpful articles on rewards credit cards from Discover

Inward Curve

Cash Back Credit Cards: Discover it® Cash Back, Gas & Restaurant Card, NHL® Discover it®

Travel Credit Card: Discover it® Miles

Student Credit Cards: Discover it Student® Cash Back, Student Chrome Card

Secured Credit Card: Discover it® Secured credit card

Cash Back Credit Cards


Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: x% variable to x% variable, based on your creditworthiness. Cash APR: x% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Travel Credit Card


Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: x% variable to x% variable, based on your creditworthiness. Cash APR: x% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Student Credit Cards


Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by  then the standard purchase APR applies. Standard purchase APR: x% - x% variable, based on your creditworthiness. Cash APR: x% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: x% Intro fee on balances transferred by  and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Secured Credit Card


x% standard variable purchase APR . Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by  then the standard purchase APR applies. Cash APR: x% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50 . Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: x% Intro fee on balances transferred by  and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

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  1. Cashback Match: Only from Discover as of April 2024. 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.

    Discover Match®: Only from Discover as of April 2024. We'll match all the Miles 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 Miles 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.

  2. 2% Cash Back at gas and restaurants: You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. Calendar quarters begin January 1, April 1, July 1, and October 1. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station, and some public electric vehicle charging stations. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.

  3. Build credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build/rebuild your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build/rebuild credit.

  4. Minimum Security Deposit: If approved, you must make a minimum security deposit of $200 (or more, in increments of $100 up to $2,500), which will equal your requested credit limit. Discover will determine your maximum credit limit by your income and ability to pay.

  5. You earn rewards, called Cashback Bonus®, which is stored in your rewards balance and must be redeemed in order to spend. Cashback Bonus can be redeemed via statement credit, electronic deposit to a linked account, paying at select merchants, purchasing gift cards, or donating to charity.​

  6. Cash and Miles products: You earn rewards which are stored in your rewards balance and must be redeemed in order to spend. Cashback Bonus® can be redeemed via statement credit, electronic deposit to a linked account, paying at select merchants, purchasing gift cards, or donating to charity. Miles can be redeemed via travel credit, statement credit, electronic deposit to a linked account, or paying at select merchants.

  7. Rewards Redemption: Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months.

  8. Redeem Miles: Starting at 1 Mile, you can redeem your Miles as a credit to your account to pay for all or part of your bill, for cash as an electronic deposit to your bank account, or for a credit for Travel Purchases made on your statement within the last 180 days. Each Mile is equal to $0.01. Miles cannot be redeemed directly with a specific airline carrier. Travel Purchases include airline tickets, hotel rooms, car rentals, travel agents, online travel sites, commuter transportation, restaurants and gas stations. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Even if a travel purchase on your statement appears to fit in a Travel Purchase category, the merchant may not have a merchant category code (MCC) in a Travel Purchase category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not be eligible for credit redemption if the technology does not provide sufficient transaction details or a qualifying MCC. See Terms and Conditions for more information.

    Rewards Redemption: Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months.

  9. 5% Cash back Program Details:  Applies to all categories: Purchases must be made with merchants in the U.S. To qualify for 5%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 5% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 5% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.

  10. About product reviews: We calculate the average product rating based on ratings that customers submit. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. If a review is excluded, the associated rating is not calculated in the average product rating.

  11. Each Mile is equal to $0.01. Starting at 1 Mile you can apply Miles as credit to your account to pay for all or part of your statement, for cash as an electronic deposit to your bank account, or for a credit for Travel Purchases made on your statement within 180 days. Miles cannot be redeemed directly with a specific airline carrier. See Terms and Conditions for more information.  

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