Best Discover Cards for Earning Cash Back [2024]: Cash In on Your Purchases

You can use the power of cashback rewards with Discover’s lineup of credit cards. Among them, the Discover it^® Cash Back and Discover it^® Chrome stand out for their exceptional benefits.

Let’s delve into the unique advantages and lucrative cashback opportunities these cards, along with other Discover cash back credit cards, can help you earn to make your everyday purchases more rewarding.

Key takeaways

• Several Discover credit cards offer cashback opportunities that can serve different needs.
• The Discover it^® Cash Back enables cardholders to 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.
• The Discover it^® Chrome, on the other hand, helps you 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.
• The Discover it^® Miles doesn’t offer traditional cash back, but it helps you automatically earn unlimited 1.5x Miles on every dollar of every purchase

The best Discover cards for cash back

1. Discover it^® Cash Back
2. Discover it^® Student Cash Back
3. Discover it^® Chrome
4. Discover it^® Student Chrome
5. Discover it^® Secured Credit Card
6. Discover it^® Miles

Compare the best Discover cash back credit cards

Credit card	Best for	Rewards rate	Annual fee
Discover it® Cash Back 4.7 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	People seeking to optimize cashback rewards, who are also willing to manage reward categories and activate quarterly bonuses	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.	$0
Discover it® Student Cash Back 4.75 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Students who want to take advantage of cashback rewards and don’t mind keeping track of rotating categories	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.	$0
Discover it® Chrome 4.2 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	People seeking stable rewards rates on common purchases	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.	$0
Discover it® Student Chrome 4.55 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Students who want to benefit from a stable cashback rate on common purchases	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.	$0
Discover it® Secured Credit Card 5.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	People looking to build credit who want to earn cash back on their purchases	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.	$0
Discover it® Miles 4.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Frequent travelers who prefer to earn miles on their purchases	Automatically earn unlimited 1.5x Miles on every dollar of every purchase	$0

Discover it^® Cash Back

The Discover it Cash Back is one of best cash back credit cards as long as you keep track of and activate its rotating bonus categories to maximize the potential rewards you can earn.

Why we like it: This card helps you 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.

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

You can also benefit from 0% intro APR on purchases for 15 months (then 18.49% - 27.49% Variable *Rates as of December 12, 2024) and 0% intro APR on balance transfers for 15 months (then 18.49% - 27.49% Variable *Rates as of December 12, 2024). Keep in mind that there’s a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.

The best part is that the Discover it Cash Back has a $0 annual fee.

What we don’t like: Rotating categories and quarterly activations aren’t always the easiest to track.

Learn more in our Discover it Cash Back review.

Discover it^® Student Cash Back

The Discover it Student Cash Back is a great choice if you're attending school — as long as you don't mind activating the rotating bonus categories to maximize your cash back.

Why we like it: This card helps you 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.

Just like the non-student version, Discover will match all the cash back you’ve earned at the end of your first year. Additionally, you could use its 0% intro APR offer on purchases for 6 months, (then 17.49% - 26.49% Variable *Rates as of December 12, 2024).

The Discover it Student Cash Back has a $0 annual fee. This, along with its other benefits, makes it one of the best credit cards for students.

What we don’t like: There’s a limit to how much you can earn with the higher rewards rate on rotating categories each quarter you activate.

Learn more in our Discover it Student Cash Back review.

Discover it^® Chrome

The Discover it Chrome is a cash back card that makes it simple and easy to earn rewards on common everyday spending without having to activate rotating spending categories.

Why we like it: You can 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. This means that you don’t have to worry about rotating categories.

You can further boost your rewards as Discover will match all the cash back you’ve earned at the end of your first year.

The Discover it Chrome offers 0% intro APR on purchases for 6 months (then 18.49% - 27.49% Variable *Rates as of December 12, 2024) and 0% intro APR on balance transfers for 18 months (then 18.49% - 27.49% Variable *Rates as of December 12, 2024). Balance transfers have a fee of 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.

This card has a $0 annual fee, making it easy to keep it in your wallet year after year.

What we don’t like: This card doesn’t have the highest earning potential compared to other rewards cards. There’s also a quarterly spending cap on its bonus categories.

Learn more in our Discover it Chrome review.

Discover it^® Student Chrome

The Discover it Student Chrome is a great rewards credit card for students who want the same cashback benefits of the standard Discover it Chrome. This includes earning elevated cash back on common eligible purchases without worrying about quarterly bonus category activation.

Why we like it: Students using this card can 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.

This card has more benefits as Discover will match all the cash back you’ve earned at the end of your first year.

On top of that, the Discover it Student Chrome offers 0% intro APR for 6 months on purchases (then 17.49% - 26.49% Variable *Rates as of December 12, 2024). The Discover it Student Chrome has a $0 annual fee.

What we don’t like: Similar to the non-student version, this card doesn’t have the best rewards rate and caps your rewards on its bonus categories.

Learn more in our Discover it Student Chrome review.

Discover it^® Secured Credit Card

The Discover it Secured Credit Card can be a good choice for someone working on building their credit. This card is one of the few secured credit cards available that offer generous cash back.

Why we like it: You can 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. Plus, Discover will match all the cash back you’ve earned at the end of your first year.

What we don’t like: Like most secured cards, the Discover it Secured Credit Card requires you to place a deposit equal to your line of credit. Keep in mind that Discover considers various factors when considering your creditworthiness, not only your security deposit.

Your security deposit is refundable, so you can eventually get back the deposit you've put down as you establish credit and become eligible for an unsecured card.

Learn more in our Discover it Secured Credit Card review.

Discover it^® Miles

The Discover it Miles gives you the option to earn miles for purchases — but you can also redeem your miles for cash rewards in the form of statement credits.

Why we like it: You can automatically earn unlimited 1.5x Miles on every dollar of every purchase. Plus, Discover will match all the Miles you’ve earned at the end of your first year.

The Discover it Miles offers 0% intro APR on purchases for 15 months (then 18.49% - 27.49% Variable *Rates as of December 12, 2024). It also offers 0% intro APR on balance transfers for 15 months (then 18.49% - 27.49% Variable *Rates as of December 12, 2024). The balance transfer fee is 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.

You can use the miles you earn from this card to book travel through the Discover portal. You can also redeem them toward your monthly bill, at Amazon.com checkout, or through PayPal. Your miles never expire and won’t be lost even if you close your account, making it a great travel credit card to earn free trips.

What we don’t like: The Discover card network isn’t as widely accepted as Visa or Mastercard worldwide. Depending on your travel itinerary, you might run into issues having your card accepted in other countries.

Learn more in our Discover it Miles review.

How to choose the best Discover card for earning cash back

Consider these factors to help you decide which Discover card is best for you.

Spending categories

Look for a Discover cash back card with bonus categories that align with your everyday expenses. This can help you maximize your earning potential on purchases you’re already making.

To help determine if a card with rotating categories would work for you, view the Discover cashback calendar to see which categories have come up in the past.

Student cards

Student cards are nearly identical to their non-student versions, but they’re specifically designed with students in mind. That means they might not have as strict of credit requirements. However, you must be an eligible student to qualify.

Secured cards

A secured card can have many of the same benefits as an unsecured card, but you typically have to put down a security deposit if you’re approved. The security deposit acts as your credit limit. In some cases, with responsible card usage, you might be able to graduate to an unsecured card version and have your security deposit refunded.

The Discover 5% cashback calendar

Cards such as the Discover it^® Cash Back and Discover it^® Student Cash Back offer cash back on rotating bonus categories. You have to manually activate these categories each quarter to take advantage of them, so cardholders need to know the schedule to get the most out of these bonus rewards.

Here are the categories of the 2024 Discover cashback calendar:

Here are past categories:

Explore more 5% cash back credit cards.

Important things to know about Discover Cashback Match™

One of the single best benefits of signing up for a new Discover cashback card is that you can get your cash back matched in the first year as a new cardmember. This means if you earn $1,000 in cash back, Discover will match that amount and give you an extra $1,000.

Discover imposes no minimum or maximum limit on the amount of bonus cash back you can earn, and you automatically qualify for this bonus when you hit your one-year anniversary as a new cardholder.

This special bonus is available on multiple Discover credit cards, including the following:

• Discover it Cash Back
• Discover it Student Cash Back
• Discover it Chrome
• Discover it Chrome for Students
• Discover it Secured
  
• Discover it Miles (matching miles instead of cash back)
• NHL Discover it
  

You should receive your bonus within one or two billing periods following the first 12 consecutive billing cycles after your new account is open. However, if you close your account or are no longer enrolled in the cashback rewards program when your bonus is calculated, you won't get the match.

How to access your Discover cashback rewards

Any cashback rewards you’ve earned in your most recent billing cycle will show up on the first page of your monthly statement. This helps you to keep track of how much money you're earning by using your Discover card.

You can also go online and sign into your Discover Account Center to see your available cash back at any time. This is listed under the Cashback Bonus Summary.

How to redeem your Discover cashback rewards

Redeeming your cash back is easy with Discover. Just sign into your Account Center and choose which redemption option works for you. Or redeem your cash back by calling 1-800-DISCOVER if you don't want to create an online account.

Options for redeeming cash back include:

• Depositing cash into your bank account
• Applying your cash back to your Discover bill
• Using your cash back to make a charitable donation
• Paying with your Discover cash back when checking out at Amazon.com or with PayPal
• Putting your cash back onto a gift card

FAQ

Earning cash back with Discover: bottom line

As you can see, you have tons of opportunities to earn cashback rewards as a Discover customer. You just need to pick the right Discover card for you.

The Discover it^® Cash Back and the Discover it^® Student Cash Back can work well if you want to earn cash back on rotating categories. The Discover it^® Chrome or its student version, the Discover it^® Student Chrome, can be better choices for earning smaller but consistent amounts of cash back.

The best Discover card for you just depends on your spending habits and whether you're interested in keeping track of and activating rotating bonuses.

Methodology

To determine the best Discover cash back credit cards, we evaluated various Discover cards based on several factors, including cashback rates, annual fees, intro APR offers, and specific perks such as bonus categories, redemption options, and more.

We kept in mind that every credit card user is unique, with their own spending habits and needs. Therefore, we identified the top Discover credit cards that offer significant value to various types of spenders. Keep in mind that our list doesn’t follow any certain order and is not meant to be a complete list of all available options. Instead, our recommendations aim to provide a useful starting point for someone who is researching Discover credit cards that meet their cashback needs.

Up To 5% Cash Back

Discover it^® Cash Back

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Discover it^® Cash Back

Apply Now

Rates and fees

Current Offer

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

Annual Fee

$0

Rewards Rate

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.

Benefits and Drawbacks

Benefits

• $0 annual fee
• Intro APR on purchases and balance transfers
• Dark web monitoring and other privacy protection services

Drawbacks

• Requires you to activate the highest-earning category each quarter
• Not accepted as widely overseas as Visa or Mastercard

Card Details

• 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.
• Redeem your rewards for cash at any time.
• Apply and you could get a decision in as little as 60 seconds. No annual fee.
• Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
• 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 18.49% to 27.49% Standard Variable Purchase APR applies, based on credit worthiness. Rates as of December 12, 2024.
• Terms and conditions apply.