$0

$0

None

None

Earn 5% on categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more

5% on gas and auto maintenance purchases

Up to 1% on all other purchases

Up to 1% on all other purchases

5% to 20% cash-back bonus at top online retailers through Discover's exclusive shopping site.

5% to 20% cash-back bonus at top online retailers through Discover's exclusive shopping site.

For the 1% on all other purchases: 0.25% if the purchase is part of the first $1,500 in total annual purchases, 0.5% if the purchase is part of the second $1,500 in total annual purchases and 1.0% if the purchase is part of the total purchases in excess of $3,000.

Earn a full 5% cash-back bonus on first $100 in combined gas and auto maintenance purchases each billing period, up to $1,200 annually. Combined gas and auto maintenance purchases in excess of $100 each billing period earn cash-back bonus at the same rate as other purchases.
For the 1% on all other purchases: 0.25% if the purchase is part of your first $1,500 in total annual purchases, 0.5% if the purchase is part of your second $1,500 in total annual purchases and 1.0% if the purchase is part of your total purchases in excess of $3,000.

$20

$20

Get it in cash, credit your Discover Card account, make an electronic deposit to cardholder's bank account or request a check. Increase, even double, the cash-back bonus when redeemed for gift cards from Discover's brand-name partners.

Get it in cash, credit your Discover Card account, make an electronic deposit to cardholder's bank account or request a check. Increase, even double, the cash-back bonus when redeemed for gift cards from Discover's brand-name partners.

As often as a cardholder has minimum cash back to redeem.

As often as a cardholder has minimum cash back to redeem.

None

Earn a full 5% cash-back bonus on first $100 in combined gas and auto maintenance purchases each billing period, up $1,200 annually.

Rewards have no expiration date; however, if the account is closed for any reason or inactive for 18 consecutive months or if the cardholder fails to make the minimum payment due by the payment due date for two consecutive billing periods, the cash-back bonus will be forfeited.

Rewards have no expiration date; however, if the account is closed for any reason or inactive for 18 consecutive months or if the cardholder fails to make the minimum payment due by the payment due date for two consecutive billing periods, the cash-back bonus will be forfeited.

Warehouse purchases (those made at select warehouse clubs, discount stores and their affiliates) earn .25%. Discover does not include warehouse purchases or 5% cash-back bonus program purchases (up to the dollar limit specified in each applicable program) in calculating the total annual purchases to determine the cardholder's tier level.

Gas and auto maintenance purchases are those made at merchants Discover classifies as gas stations and at stores that primarily sell automotive parts and services, such as auto dealerships, auto repair shops, tire stores and car washes. Warehouse purchases (those made at select warehouse clubs, discount stores and their affiliates) earn .25%. Discover does not include warehouse purchases or the first $100 in combined gas and auto maintenance purchases each month in calculating the total annual purchases to determine the cardholder's tier level.