How Do I Use My Points to Pay My Bill with Discover?

As a Discover credit card reward program member, you want to make sure you use your points wisely. Redeeming your points to pay your statement is an easy and convenient way to keep on top of your bill. You can apply the rewards directly to the statement or redeem the points for cash that you can then use to pay your bill.

Credit cards with rewards points give you several perks just for using your card. Discover has many rewards credit cards that provide you with cash back rewards, points that can be applied toward purchases or traveler miles. But how do you use your points to pay your bill with Discover? For information and assistance, you can call Discover customer support here. You can also find the steps below on how to use your reward points to pay your Discover bill.

How To Use Points To Pay your Discover Bill

Discover offers you two options on using your reward points to pay your monthly statement. You can redeem points for a statement credit, or you can redeem points for cash deposited into your bank account.

Statement Credit

To redeem your reward points for a statement credit, follow the steps outlined below.

  1. Open the Discover website.
  2. Log into your account.
  3. Click on "Ways to Redeem."
  4. Select "Cash" in the four options provided.
  5. Choose the amount of points cash you wish to redeem (you do not have to redeem all your Discover points at one time).
  6. Select "Apply to your bill as a statement credit."
  7. Review your information and if all is correct, click "Continue."
  8. The amount you selected will be applied to your overall statement balance.

Cash Reward

Alternatively, you can redeem your points for cash that is deposited directly into your bank account. That cash can then be reapplied to your Discover credit card statement toward your balance due. Just follow these steps:

  1. Navigate to the Discover website.
  2. Lot into your account.
  3. Select "Ways to Redeem" under your statement balance.
  4. Choose "Cash" from the options provided.
  5. Enter the amount of cash you wish to get from your points (or select "Redeem all").
  6. Click on the circle beside "Direct deposit to your bank account."
  7. Hit "Continue."
  8. The cash will then be deposited into the bank account you have linked to your Discover card. Once the deposit posts to your account, you can turn around and use it to pay your statement balance.

While earning rewards with your Discover card, remember you can use your rewards points to pay on your statement balance. By following the steps outlined here, you have two options to pay your bill with rewards cash. For more information or assistance, contact Discover customer support here.

Why Did GetHuman Write "How Do I Use My Points to Pay My Bill with Discover?"?

After thousands of Discover customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Use My Points to Pay My Bill with Discover? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Discover if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for Discover Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Discover in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Use My Points to Pay My Bill with Discover? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.


Asked a year ago
Updated a year ago
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Discover points
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