![]() The cashback doesn't expire and you can redeem your rewards at any time for statement credits, gift cards, merchandise and more. Here's a breakdown of how much cash back you can roughly earn in each category, annually:Ĭardholders can earn an estimated $707 in cash back the first year (including the cash back from the welcome bonus) and a total of $2,120 over five years. We worked with the location intelligence firm Esri, who provided us with a sample annual spending budget of $22,126. Select calculated how many rewards the average American can earn if they optimize the way they use their Discover it Cash Back. In previous years, other categories have included gas stations, gym memberships, restaurants, and digital wallets.
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