Does discover cashback expire

What is Cash Back and How Does Cash Back Work?

Earn big‑time cash back that never expires.

Cash back is a perk offered by many credit card companies on some of their rewards credit cards. Cash back refers to earning back a percentage of the money you spend on your credit card. Some cards offer the opportunity to earn even more cash back on purchases made by enrolling in quarterly promotions or shopping through their virtual shopping portals.

“One of the easiest ways to spend smarter is by using a cash back credit card for everyday purchases,” says Maureen Powers, Vice President of Rewards for Discover. “Instead of using cash, or a debit card, which typically offers little-to-zero rewards, opt for using a credit card that offers cash back perks.”

There is often a limit or cap on how much cash back you can earn on purchases through promotions or quarterly rewards programs. For example, your card may let you activate 5% cash back at gas stations up to $1,500 for the quarter and provide 1% cash back on all other purchases. Be sure to read the terms and conditions to fully understand (and take advantage of) your card’s cash back rewards program.

Cash back can be redeemed in a number of ways:

Bank Deposit: cash back you have earned into your checking or savings account. Some cards may allow you to cash out your balance without needing to earn a minimum amount. Be sure to read your terms and conditions to understand your redemption thresholds.

Statement Credit: You can often apply your cash back to your current credit card balance.

Gift Cards: Some credit card companies allow you to get additional value by redeeming your cash back for gift cards or eCertificates for popular merchants.

Charitable Donations: Some credit card companies allow you to donate some or all of your cash back to a charity of your choosing.

Earn big‑time cash back that never expires with Discover it ® .

Cash back is not to be misinterpreted as an incentive to spend too much. Look at it instead as a bonus for the money you would spend regardless of whether you were earning rewards. (The last thing you should do is charge more than you can afford just to get more cash back.) If you overspend and fall into debt, you risk running up interest charges that could wipe out the perks of rewards.

Be sure to pay your credit card bills on time, every time. And pay as much as you can to avoid interest charges.

Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.

How do I earn Cashback Bonus ® ?

You can earn 5% Cashback Bonus at different places each quarter like gas stations, grocery stores, restaurants,, or wholesale clubs up to the quarterly maximum each time you activate. You earn Cashback Bonus on every purchase. See your Rewards Terms and Conditions for details.

Is there a limit to the amount of Cashback Bonus I can earn?

How do I sign up for the 5% Cashback Bonus program?

It's free and easy. If you are already a Discover it ® or Discover ® More ® cardmember, log in to the Account Center or call 1-800-DISCOVER (1-800-347-2683) to activate. Remember, you must activate every quarter.

Not registered for the Account Center? Register Now.

What should I do if I have not received my 5% Cashback Bonus after making a category purchase?

How can I redeem my Cashback Bonus?

If you are registered for the Account Center you can browse all of your redemption options and redeem your Cashback Bonus online.

Not registered for the Account Center? Register Now.

Note: If you do not wish to register for the Account Center, please call 1-800-DISCOVER (1-800-347-2683) to redeem your Cashback Bonus.

What are my redemption options?

  • Gift cards with $5 free added to each card, starting at $20
  • Pay with rewards at checkout
  • Make a charitable donation
  • Deposit any amount into your bank account or apply to your Discover bill

Who are the participating Cashback Bonus Gift Card Partners?

Will my Cashback Bonus ever expire?

If my Discover Card is lost or stolen, will my Cashback Bonus be transferred to my new account?

When does Cashback Bonus show up on my statement?

Where do I find my Cashback Bonus totals?

Can I participate in the Cashback Bonus Program if I live outside the United States?

Get unlimited cash back with no annual fee. *

* See Rates, Fees, Rewards Terms, and, other info.

  • RewardThePublic
  • Money › Credit Cards › Cash Back Credit Cards
  • Cashback Bonus

  • 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
  • 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
    • 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.
    • 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.
  • 4 Ways to Get Max Value From Discover Cash Back Rewards

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    [DISCLOSURE: Cards from our partners are mentioned below.]

    There are a lot of cashback rewards programs out there, so it is important to compare them and have a full understanding of what they each offer to make sure you find the one that is right for you.

    With that in mind, we thought we would break down what the Discover Cash Back Rewards program entails and give you some insight into a few ways that cardmembers can use the Discover cashback program, so you get the most for your rewards. We will also mention some of the Discover credit cards that offer this particular rewards program.

    Redeeming for cash or a statement credit is one of the easiest ways a cardholder can attain value through the Discover cashback program. There is no threshold for how much you have to earn before you cash out. Meaning, if you have only earned $5 as the cardholder, then you can either cash out for $5, or you can wait until you have $100. You can apply the funds to your next statement, or transfer them to a bank account of your choice.

    Free Credit Consultation - Call 844-346-3296

    The Discover Cashback Program is a good way to earn back a percentage of the money you have been spending on the credit card. You can redeem cash back in one of several different ways with Discover. You can earn cash back through a bank deposit, a statement credit, gift card, or a charitable donation.

    However, keep in mind that even though you may have cashback rewards, this is not an okay for you to spend substantial amounts of money or spend above your means. You want to avoid falling too much into debt because you will also be risking the high-interest rates for the excess charges that are being made. With that being said, it is also important to pay the bills on time every single month and pay as much as you possibly can to continue to avoid higher interest charges.

    One of the more interesting ways to use your cashback rewards from Discover is to receive gift cards. These gift cards can be from retail establishments, such as grocery stores, restaurants, and gas stations. But what makes this an interesting option is that you receive $5 added to each gift card for free.

    While you might redeem $40 in cashback rewards, you could receive a gift card worth $45. Most of the gift cards come in the form of a physical card, which means you may have to wait up to 10 days before your card arrives. However, you can also elect to receive eCertificates.

    An eCertificate can be downloaded to your computer or onto the Discover mobile app and can then be used immediately. Your rewards will never expire, and your account will be credited with the amount of the Cashback Bonus balance if the account is closed, or you have not used the rewards within eighteen months of receiving them.

    Discover has a relationship with Amazon that allows consumers to make purchases on and use their cash back to help cover the cost. It’s important to note that there is no value added when using your cashback rewards on Amazon.

    One dollar in cashback equals one dollar on Amazon. Because of this, it may make more sense to pay for your Amazon purchase with a credit card, earn the additional rewards, and then apply a statement credit toward the expense.

    Discover also announced an agreement with PayPal allowing cardholders to use cashback rewards on any purchase where PayPal is used.

    While you will not earn anything extra, value wise, you have the option to help others and donate your cashback rewards to charity. Partners include the American Cancer Society, World Wildlife Fund, and the American Red Cross.

    Donating your cashback rewards to a charity can be a good option if you are looking to donate money to one of these charities anyway, or if you are simply in the giving spirit.

    Discover Giving is a partnership with the organization, JustGive, and this organization provides Discover cardmembers access to over one million different charities. Donating via this option also allows you to set up a one time or recurring donation through Discover Giving and you also have the option to decide how the donation is used.

    Keep in mind that there may be a minimum donation required, so you will want to be sure you have enough in Cash Back Rewards to make the donation. The average minimum donation amount to expect will be approximately $10 to $25 which also comes out to be between 1000 and 2500 reward points.

    Additionally, when you donate through Discover Giving, you are also eligible to receive additional rewards such as automatically earning an additional cashback bonus for every dollar that is being donated.

    Earning Discover Cash Back Rewards

    There a few cards that let you earn Discover cashback rewards. Let’s take a look at some of them. (Note: Most of the cards listed below require fair credit to qualify. Before you apply, you can check two of your credit scores for free on so you can get an idea of if you will be eligible for the card you are considering or not.)

    There is usually a limit placed on the amount of cash back you can receive through a credit card that you earn on purchases. It is important that you read through the terms and conditions to fully understand and take advantage of the cashback rewards programs that Discover offers.

    Anyone looking for a generous cashback credit card, without an annual fee, may want to have the Discover it credit card on their list of considerations. With this credit card, you can earn 5% cash back on rotating categories each quarter. One quarter it might be at gas stations and movie theaters, and the next it might be restaurants and grocery stores.

    These categories do have to be activated each quarter, and there is a limit of $1,500 in purchases each quarter that earn 5% back. All other purchases made with the card receive 1% back. Plus, Discover matches everything the cardholder earns with this credit card for the first 12 billing cycles. That means if you earn $200 in cashback rewards, you actually receive $400.

    The Discover it credit card comes with an introductory 0% for 14 months on purchases and balance transfers. Afterward, the APR rises to 13.24% - 24.24% Variable on purchases & balance transfers.

    With this credit card, your bonus cashback will never expire, and you can redeem your rewards at any time you want, and at whatever amount you want.

    Discover Bank Cashback Checking Review: Earn 1% Cashback Up To $3K Per Month (Nationwide)

    Available nationwide, Discover Bank is currently offering 1% cash back on debit card purchases up to $3,000 each month when you open their Cashback checking account. With your new account, simply use your debit card to make purchases and earn 1% cashback and enjoy many perks such as no monthly fees or balance requirements and access to over 60,000 free ATMs. If you’d like to learn more about other great Discover deals, make sure to visit our complete listing of Discover Bank Bonuses page.

    Discover Bank Cashback Checking Summary:

    • Sign Up
    • Account Types: Cashback Checking
    • Maximum Bonus: $30 bonus per month (1% cashback on debit card purchases up to $3,000)
    • Availability: Nationwide
    • Expiration Date: None
    • Soft/Hard Pull: Soft pull Chexsystems
    • Credit Card Funding: No
    • Direct Deposit Requirement: No
    • Additional Requirements: None
    • Monthly Fees: None
    • Early Termination fees: None

    Discover Bank Cashback Checking Features:

    • 1% cash back on up to $3,000 in debit card purchases. So $30 per month x 12 moths = $360 bonus, that how’s much you can earn in one year!
    • Access to over 60,000 free ATMs
    • No monthly fees
    • Free Official Banks Checks + Free Check Reorder
    • Free incoming wire from an external bank

    Discover Bank Cashback Checking Requirement:

    • Sign up for a Cashback Checking account from Discover Bank.
    • Click on the “Open an account” and enter your info: address, phone, email and social security number (or other taxpayer ID)
    • Fund your account
    • You will able to enjoy earning up to $30 cashback bonus per month (1% Cashback on balances up to $3,000 in debit card purchases)

    Discover Bank Cashback Bonus Fine Print:

    • Anyone is eligible to apply for a checking account online.
    • ATM Transactions, cash over portions of point-of-sale transactions, and Peer-to-Peer (P2P) payments are not eligible for cashback rewards. Purchases made using third-party payment accounts (services such as Venmo® and PayPal™) may not be eligible for cashback
    • The Cashback Bonus rewards from your credit card account and your checking account will be maintained separately. However, you will be able to transfer
    • Checking Cashback Bonus earned with your Cashback Checking Account to your Discover Credit Card Cashback Bonus Account in any amount.
    • Checking Cashback Bonus from Discover Cashback Checking®accounts that are active and in good standing will never expire.

    If you are currently interested in a new checking account, then I recommend you opening a Discover Bank Cashback Checking account. Enjoy no required minimum balance and no monthly fees. If you’re not currently a Discover customer, then make sure to jump on this wagon and maximize your cashback earnings! What’s not to like? So if you’re looking for a simple, but rewarding account, try Discover. You will not be disappointed. This account is one of the most convenient and customer-focused online banks around. If you would like to see other options, see our full list of Bank Deals!

    -Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months

    -Earn unlimited 1.5% cash rewards on purchases

    -Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening

    -No category restrictions or sign ups and cash rewards don't expire as long as your account remains open

    -Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card

    -0% Intro APR for 12 months on purchases and balance transfers, then a 14.24%-26.24% variable APR; balance transfer fees apply

    Anthony Nguyen, founder of, has a passion for finding the best deals, bank promotions, credit card offers, cash back, points & miles, and everything in between. Contact Anthony for media/advertising.

    Chase Total Business Checking® Earn a $200 bonus when you open a new Chase Total Business Checking ® account and deposit $1,000 or more within 10 days & maintain that balance for 60 days, and complete 5 qualifying transactions within 60 days.

    Chase Total Checking® + Chase Savings SM - Earn a $200 bonus when you open a new Chase Total Checking ® account and set up direct deposit. Also get an additional $150 bonus when you open a new Chase Savings SM account, deposit a total of $10,000 or more within 10 days & maintain $10,000 balance for 90 days.

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