Rewards Program Page

Discover Cashback Bonus

Rewards Program Information

Program Benefits

Discover Cashback

  • Members can earn a 5% Cashback Bonus on category purchases
  • Categories change throughout the year
    • Travel
    • Home improvement stores
    • Department stores
    • Restaurants
    • Gas and groceries
  • Remember that you must sign up for the 5% program each quarter 
    • View the current 5% Cash back Bonus program details
    • Category purchases in excess of the specified amounts will automatically earn up to 1% Cash back Bonus
  • 2013 category rotation is as follows
    • Jan - Mar is restaurants and movies
    • Apr - Jun is home improvement
    • Jul - Sep is summer fun
    • Oct - Dec is holiday shopping
  • Earn 5-20% Cashback Bonus at ShopDiscover
  • Refer friends and receive $50 for each one who becomes a cardmember
    • Refer up to 100 new cardmembers

How to Earn

Cardholders earn Cashback Bonus on every purchase just by using the Discover card

  • Cardholders earn 5% Cash back Bonus on category purchases up to the dollar amount of purchases specified in each program
    • Categories change throughout the year and include categories like:
      • Travel
      • Home improvement stores
      • Department stores
      • Gas
      • Groceries
        • Cardholders must sign up for each 5% program
          • Category purchases in excess of the specified amounts will automatically earn up to 1% Cash back Bonus
  • Cardholders can also earn 5% to 20% Cash back Bonus at top online retailers through Discover's exclusive online shopping mall, ShopDiscover
  • Cardholders automatically earn up to 1% Cashback Bonus on all other purchases
    • Cardmembers will earn 1%  unlimited Cashback Bonus on purchases after total annual purchases exceed $3000
      • purchases that are part of the first $3000 earn .25%
        • Warehouse purchases (those made at select warehouse clubs, discount stores and their affiliates) earn .25% percent  
  • Discover Cash Back Bonus does not include warehouse purchases or 5% category purchases in calculating total annual purchases

How to Redeem

  • If cardmembers are registered for the Account Center, they can browse all their reward options and redeem online. Log in to the Account Center or call 1-800-DISCOVER (1-800-347-2683) to redeem rewards.
  • Cardholders' can redeem their rewards starting at $20 Cash back Bonus.

Redemption options:

  • Cardholders' may redeem Cashback Bonus starting at $25
    • Partner gift cards
    • Merchandise
    • Discover gift cards
    • or charitable donations
  • Cardholders' may redeem Cashback Bonus for cash in the form of a direct deposit to their bank account or a credit to their Discover card account in $50 increments, starting at $50.
  •  They may also select more than one redemption method so long as each redemption is in one of the above amounts.

Min Cash Back to Redeem

$25 and No Minimum when Redeeming @ Amazon.com

Cash Back Never Expires?

Yes

Expiration of Cash Back Info

Rewards have no expiration date; however, Cash back Bonus in cardmember's account will be forfeited if

  • A cardmember's account is closed for any reason or
  • Inactive for 18 consecutive months
  • If cardmember fails to make any Minimum Payment Due for two consecutive billing periods

Unlimited Rewards Earning?

Yes*
elite
silver
gold

Max Earning Cap Info

  • Cardmembers can earn 5% Cash back Bonus on category purchases up to the dollar amount specified in each program.
    • Cardmembers must sign up for each program.
  • All other purchases, including category purchases in excess of the specified amounts, automatically earn up to 1% unlimited Cash back Bonus
  • Cardholders can earn 5% Cashback Bonus on category purchases up to the dollar amount cap specified with each program
  • Cashback Bonus categories change throughout the year like gas, restaurants, department stores and more, Signing up each time is free and easy
  • Cardholders can also earn 5%-20% Cashback Bonus at online retailers through ShopDiscover, which is Discover's exclusive online shopping mall
  • Plus, cardholders can earn a full 1% after they make $3,000 in qualifying purchases annually and .25% on their first $3,000 and all warehouse purchases
  • Warehouse purchases are those made at select warehouse clubs, wholesale distributors, discount stores and their affiliates
  • Warehouse and 5% category purchases do not count towards your first $3,000

Discover Open Road Card Rewards:

  • Earn unlimited cash rewards on all purchases
    • Earn a full 2% Cashback Bonus on the first $250 in combined gas and restaurant purchases each billing period
      • Earn 1% unlimited Cashback Bonus on all other purchases after total annual card purchases exceed $3,000
        • other purchases that are part of first $3,000 earn .25%
        • Gas and restaurant purchases greater than $250 each billing period earn Cashback Bonus at the same rate as other purchases
          • Gas and restaurant purchases are those made at merchants classified as gas stations and at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations

Bonus Offers?

Yes

Bonus Offers Info

Cardmember's can log-in @ Discover.com to access Shop Discover to earn extra Cash back with Discover partners.

Time for Cash Back to Post to Account

  • Newly earned Cash back Bonus will appear on the first page of each monthly statement.
  • Cardholders can view their Cash back Bonus amount by logging in to the Account Center and going to the Statements page. 

Age Requirement to Join

18

Sponsoring Companies

Current Promotions

Currently No Promotions

*Disclaimer: See the online application(s) for details about terms and conditions of all offers. To confirm terms and conditions, click on the "Sign Up" button and review info on the terms page. We expend substantial effort to maintain accurate information. However, all information on the site is presented without warranty.