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How to Redeem Rewards on Discover® Credit Cards

Updated
Lyle Daly
By: Lyle Daly

Our Credit Cards Expert

Ashley Maready
Check IconFact Checked Ashley Maready
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

Discover® offers both cash back and travel credit cards. All its cards have competitive rewards rates and outstanding welcome offers, so it doesn't take long to earn cash back or miles. Once you're ready to redeem Discover rewards, here's how to do it.

How to redeem rewards on Discover credit cards

Here's how to redeem Discover rewards:

  1. Log in to your online Discover account.
  2. Select "Ways to Redeem," located underneath your rewards balance.
  3. Choose how you want to redeem your Discover rewards.

Discover is as flexible it gets when it comes to redeeming rewards. There's no redemption minimum, so you can redeem any amount at any time. If you prefer to redeem your rewards by phone, you can call 1-800-DISCOVER (1-800-347-2683).

Redemption options depend on the Discover card you have. Most Discover credit cards earn cash back, but it also has a travel credit card that earns miles. Here are the options based on which type of rewards your Discover credit card earns.

As of Nov. 27, 2023
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Discover it® Cash Back Discover it® Chrome
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Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Welcome Offer: Circle with letter I in it. N/A

Discover will match all the cash back you’ve earned at the end of your first year.

Welcome Offer: Circle with letter I in it. N/A

Discover will match all the cash back you’ve earned at the end of your first year.

Rewards Program: Circle with letter I in it. 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 unlimited 1% cash back on all other purchases—automatically.

1% - 5% Cashback

Rewards Program: Circle with letter I in it. 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically

1% - 2% Cashback

Intro APR:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Intro APR:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR:

17.24% - 28.24% Variable APR

Regular APR:

17.24% - 28.24% Variable APR

Annual Fee:

$0

Annual Fee:

$0

Highlights:

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • 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 unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.

Highlights:

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match 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.
  • Earn 2% cash back 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.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.
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Redeeming cash back with Discover

Discover is most well-known for its cash back credit cards. Discover cash back cards include:

With these cards, you have four redemption options available for cash back, each offering the same value:

  • Cash: Select whether you want a statement credit on your credit card bill or an electronic deposit to your bank account. Enter the amount of cash back you want to redeem, and then submit your redemption. You can also set up automatic cash back redemptions every month.
  • Pay with Rewards: You can link your Discover card to your Amazon and PayPal accounts. This allows you to pay with rewards during checkout at Amazon and when you use the PayPal checkout option at online merchants that offer it.
  • Gift cards: Choose the gift card you want and submit your redemption. You can filter gift cards by the type of business offering them and the minimum gift card amount. Certain gift cards have higher minimum purchase amounts. Discover often has added value on gift cards, where you can get a gift card worth more than what you pay for it.
  • Charity: Pick a charity from the list, enter the amount you want to donate, and submit your redemption.

LEARN MORE: How Cash Back Credit Cards Work

Redeeming Miles with Discover

Discover's only travel card is the Discover it® Miles. Interestingly enough, it works just as well as a cash back card. Although you can redeem Miles for travel, you can also redeem them for cash back at the same rate, an option most travel credit cards don't have. Here are the three redemption options you'll have with this card, all of which offer a value of $0.01 per Mile:

  • Travel Credit: Apply Miles as a statement credit to travel purchases made within the last 180 days.
  • Cash: Select the number of Miles you want to redeem for a direct deposit to your bank account.
  • Pay with Rewards: Just like with cash back Discover cards, Discover's travel card also lets you link your Amazon and PayPal accounts. You can then use your Miles during the checkout process with Amazon and online merchants offering checkout through PayPal.

You can go through the process to redeem rewards on Discover credit cards in minutes. Log in to your account, pick the redemption option you want, and you can tap into that rewards balance you've been building. Discover also has some of the best credit cards for earning rewards. If you use your Discover card often, those rewards can turn into big savings for you.

Still have questions?

Here are some other questions we've answered:

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FAQs

  • To redeem your Discover Cashback Bonus®, go to the Discover website and log in to your account. Select "Ways to Redeem" to go to the rewards redemption page. Pick one of the redemption options, and you'll be able to cash in your Discover rewards.

  • You can redeem cash back with Discover at any time, and there's no minimum amount required.

  • Discover Miles are worth $0.01 per Mile, so every 100 Miles equals $1.

Our Credit Cards Experts