Cash Back Credit Cards

Find the best Discover cash back credit card for you.

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.1

No annual fee

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Earn 5% cash back on everyday purchases at

different places you shop each quarter like

 

Grocery stores

Restaurants

Gas stations

 

up to the quarterly maximum when you activate.

 

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

 


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Earn 2% cash back at

 

Gas Stations

Restaurants (including cafes and fast-food)

 

on up to $1,000 in combined purchases each quarter, automatically.2

 

Earn unlimited 1% cash back on all other purchases.

 


Benefits of Discover cash back credit cards

How to choose the best cash back credit card for you

Low Intro APR

x% Intro APR for x months on purchases and balance transfers and x% Intro Balance Transfer Fee until x. Then x% to x% Standard Variable Purchase APR and up to x% fee for future balance transfers will apply.

3 Discover credit card designs

Ready to apply for a Discover credit card?

 

Checking your pre-approval status won't impact your credit score.13

 

Bring your Discover account with you
on-the-go

Use your Discover student login to set alerts, viewing your Credit Scorecard will never impact your FICO® Score4 and more, all from your smartphone or tablet.

 

mobile phone displaying Discover app

Learn about cash back credit cards

A cash back credit card lets you earn cash back rewards as a percentage of the amount you spend. Some cards may offer a higher level of cash back in select categories.

Each cash back credit card has its own rules, but they all provide a percentage of your purchase as cash back. Some may offer a flat rate of cash back on every purchase, while others may let you earn higher levels of cash back in select categories.

 

We’ll automatically match all the cash back you’ve earned at the end of your first year.1

Groceries. Some cash back cards earn higher levels of rewards for spending in eligible grocery stores. 

 

Gas. A gas credit card may offer a higher percentage of cash back on gas station purchases, including non-gas purchase in the station's convenience store.

 

Dining. Restaurant dining, take-out or food delivery may qualify for extra cash back rewards.

 

Retailers. Some cash back rewards cards may offer bonus cash back for purchases at a specific store.

With your Discover card, cash back rewards never expire.5 Other cards may have cash back rewards that expire. Check the terms before you apply.

Cash back redemption options may include a statement credit, a cash deposit into your bank account, gift cards, charitable donations, and payment for purchases.

Your specific credit card will determine which types of purchases are eligible for cash back rewards. Discover cash back credit cards let you earn cash back on every purchase, with certain cards giving bonus rewards offered on eligible purchases such as gas or groceries.

To get the most out of your Discover cash back credit card rewards, use your card on everyday purchases. If your card is eligible, you earn higher levels of cash back rewards  on your card in rotating categories when you activate the program up to the quarterly maximum. All Discover credit card purchases earn rewards.

Generally, there are three types of cash back credit cards:

 

  • Flat rate. Some cash back cards offer the same percentage of cash back on every purchase, such as 1% cash back or 1.5% cash back.
  • Bonus categories. Some cash back credit cards offer a higher rewards rate for purchases within a certain category (like travel, dining, gas or groceries), with a lower rewards rate for other purchases.
  • Rotating categories. Some cash back credit cards earn a higher rate of rewards in categories that rotate throughout the year, with other purchases earning your standard rewards rate.
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Learn more about cash back credit card rewards

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