Does Discover Card Earn 5X on Amazon Payments?

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I’ve had my Discover credit card from before I started credit card churning.  Even though it does not earn travel points, its 5X rolling categories (similar to Chase Freedom) is still worth pursuing.  I would rather earn 5% cash back than 2 or 3X Chase points.  Maxing out the 5% cash back every quarter could be worthwhile, especially if it does not require much effort.  For this quarter, Discover offers 5% cash back on online shopping.  I tested out a recent experiment.  Does Discover Card Earn 5X on Amazon Payments?

If you are unfamiliar, Amazon payments is an online service similar to Paypal that lets you transfer up to $1,000 a month through a credit card with no fee.  Even though Amazon Payments is from Amazon, the purchase doesn’t seem to code as an Amazon purchase per se.  Instead, Amazon Payments transactions are treated as online shopping.  Therefore in theory, Discover credit cards should earn 5X on Amazon Payments.  I tested the transaction this month and waited for the statement to post.  Here are the results.

Amazon Payments and Groupon get 5% cash back with Discover

Amazon Payments and Groupon get 5% cash back with Discover

5% Cash Back Posted

5% Cash Back Posted

Does Discover Card earn 5X on Amazon Payments? Yes, it does!  My plan is to reach the $1,500 this quarter to max it out.  This should be an easy $75 of free cash for everyone with a Discover card. Note that Chase Freedom does not get 5X on Amazon Payments according to Frequent Miler.  Therefore, I didn’t bother testing Chase Freedom. 

My second favorite use for Discover Card is the 15% Groupon cash back.  I like eating discovering new restaurants at a discount around my area. Groupon counts as online shopping, so stacking a Groupon with the 5% cash back would equate to a 20% rebate.  As you can see, I received the 5% back for online shopping, but not the 15% through Shopdiscover.  I’m hoping it will post soon.

The current Discover It Card normally does not have a sign up bonus.  However, anybody can refer anyone to Discover Card.  If you use my Discover It Card link here, we will both earn $50 after first purchase.  Not the biggest bonus, but Discover can be useful for its Shopdiscover portal and high cash back payouts.  For a cash back oriented person, Discover card is a decent card.  If you strictly care about travel points, not sure if Discover card will be a good choice.  I do both from time to time because 5% cash back is quite valuable to me.

7 comments for “Does Discover Card Earn 5X on Amazon Payments?

  1. Jonathan
    October 24, 2013 at 5:55 am

    Nice find! I recently applied for the discover card myself, mainly for their portal which currently pays out 5% cash back and up for many vendors (though i doubt they will maintain the high payouts long term). Maxing out quarterly categories will be a nice side bonus of the card.

    • October 24, 2013 at 8:04 am

      Thanks! Shopdiscover rates have been pretty high for the last 3 years. I don’t think they will dramatically lower anytime soon.

  2. jim
    October 24, 2013 at 8:49 am

    I received an offer for my citi aadvantage amex card and it is 2 miles per dollar up to 2500 miles for online purchases.
    I may try this with AP & see if I will receive 2k miles for $1k sent.

    • October 24, 2013 at 10:48 am

      It might work! Try it first and see if it posts. I believe that is a quarter bonus so you have a little time to test.

  3. Spencer Driscoll
    October 26, 2013 at 8:25 am

    Biggest signup bonus on the discover is a $75 amazon gift card. Find it at

  4. zjts
    October 7, 2014 at 3:44 am

    I tried to test AP with $1.99 on my discover card on 10-1-2014. I am signed up for the 5% promo this quarter. My statement closed 10-4-2014. I received 0 CashBack. I have always received .01 CashBack for a 1.99 purchase in the “everywhere else” category. I am thinking this is because the 10-1-2014 purchase date was too close to the 10-4-2014 statement close date. Has anyone verified 5% CashBack using Amazon payments to send money in 2014? (I did not have AP in 2013)

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