 How does a cash reward program work? Typically, the program awards points, "dollars" or a cash value based on the amount you charge. The rate at which you collect points varies depending on what you charge or where you charge it. Some programs offer extra points for using their card at a specific place such as a supermarket or fast food restaurant or for certain items.
Some programs offer a variety of rewards. Consumers can earn meals, tickets to sporting events, airline tickets, electronics, or even create their own reward program.
The goal is to get you the consumer to use your credit card as much as possible. Why? FEES! The credit card issuer makes money from two sources each time you use their card. First, from the merchant who pays the issuer a merchant transaction fee and secondly, from you through finance charges and late fees. A recent survey found that nearly half of U.S. cardholders enrolled in a credit card rewards program have never redeemed their points. However, 60% of consumers said rewards program influences their decision when deciding which credit card to use for a purchase.
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Book any travel, anytime with no blackout dates or restrictions
Double Miles on up to $3,000 in travel and restaurant purchases each year
1 Mile for every $1 on all your other purchases
Unlimited Miles that never expire as long as you use your card
Redeem for travel credits to your account, gift cards from any of our 80 brand-name Partners or cash starting at just 5,000 Miles
No Annual Fee
Online Account Access
Online Bill Payment
Complete Fraud Protection for Your Peace of Mind
$0 Fraud Liability Guarantee
Advanced fraud early warning alerts
Secure online account numbers
Fraud specialists dedicated to helping you 24/7
Customer Service That Puts You First
One call, we take care of it
Talk to a knowledgeable person in less than a minute
Easy online Account options that put you in control
Timely e-mails to help you avoid fees
Let your everyday purchases take you where you want to go with the Miles by Discover(R) Card and travel with no restrictions. 1 Mile for every $1 on all your other purchases
Earn 12,000 Bonus Miles!*
Apply now and we’ll get you started with 12,000 Bonus Miles. And with rewards starting as low as 2,500 Miles, you’ve got nothing to lose!
Plus, Get a 0% Introductory APR*
Take advantage of a 0% introductory APR. You could save hundreds when you transfer your higher rate balances to our unbeatable 0%.
Choose Your Reward!
Take a trip to an exotic destination, enjoy a relaxing weekend at a luxurious resort, get gift cards from your favorite places to shop. You can use your Miles for everything from airline tickets to cash. It’s up to you! And, it's easy to redeem your Miles online or by phone.
Online Account Access
View your statements and your Miles rewards details, pay your bill and more at the Discover® Card online Account Center. Your Account information is password protected and secure.
Reward Options
Fly Any Airline, Any Seat, Any Time
Redeem your Miles for tickets on any major U.S. airline any time. There are no blackout dates on flights when you use your Miles. Plus, you can get reduced airfare offers starting at only 10,000 Miles.*
You can also redeem your Miles for:
Brand-name merchandise
Retail and dining certificates
Hotel and car rental certificates
Cruise and vacation packages
Turn Your Miles Into Cash
In addition to incredible travel rewards and merchandise, you can redeem your Miles for cash by requesting a credit to your Miles Card Account.**
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