How to Earn $2,000+ Cash Back at Gas Stations, Local Shops, Restaurants, & More!

Disclosure: We get a commission for links on the blog. You don’t have to use our links, but we’re very grateful when you do. American Express, Barclaycard, Chase, and US Bank are Million Mile Secrets advertising partners. Opinions expressed here are the author's alone, and have not been reviewed, approved or endorsed by our partners. Here’s our Advertiser Disclosure.

I’ve written about how you can earn as much as $2,000+ in cash back by using Apple Pay to make in-store purchases with your Discover it or up to 23 miles per $1 spent with your Discover it Miles card.

This deal is HOT!  And I have great news that will make it even better!

I’ve done some experimenting and found you can earn the cash back bonus at many more stores than those listed on the Apple Pay site!  Plus, folks who purchased gift cards before they were excluded in the terms, may receive a 1-time cash back credit from Discover!

How To Earn 2,000 Cash Back At Gas Stations Local Shops Restaurants More

You Can Earn Big Savings With Apple Pay & Discover at More Stores Than You May Think!

I’ll show you how to find all the stores near you that will earn the bonus!

What’s the Deal?

Link:   Earn $2,000+ in Cash Back with Discover It & Apple Pay

Link:   Discover it

Link:   Discover it Miles

When you shop in-store at certain retailers and pay with your Discover it you’ll earn 10% cash back using Apple Pay.  Or use your Discover it Miles card with Apple Pay to earn 10 miles per $1 spent.   This deal is good on up to $10,000 in spending through December 31, 2015.

Plus, if you’re a new cardholder (or you’ve previously registered), the cash back or miles you earn will be DOUBLED at the end of your 1st 12 billing cycles.

This adds up to Big Savings!

  • 22% cash back on regular purchases with the Discover it card (1% cash back + 10% bonus = 11%, doubled after 12 billing cycles)
  • 23 miles per $1 spent on regular purchases with the Discover it Miles card (1.5X miles + 10X miles bonus = 11.5X miles, doubled after 12 billing cycles)
  • 30% cash back on up to $1,500 in spending per quarter in bonus categories with the Discover it card (5% cash back + 10% bonus = 15%, doubled after 12 billing cycles)

Here’s a look at which devices work in-store with Apple Pay:

How To Earn 2,000 Cash Back At Gas Stations Local Shops Restaurants More

Can You Use Apple Pay With Your Apple Mobile Device?

Did You Purchase Gift Cards?

Initially ALL purchases at participating stores counted towards the bonus.  Then Discover announced gift cards are excluded.

How To Earn 2,000 Cash Back At Gas Stations Local Shops Restaurants More

You Will NOT Earn the Bonus Cash Back on Gift Cards Purchased With Apple Pay. However, Some Folks Who Bought Gift Cards Before This Change to the Terms Was Announced Are Receiving Credit From Discover

Some folks who purchased gift cards with Apple Pay BEFORE the new terms were announced on September 18, 2015, are receiving a 1-time credit for the 10% cash back or 10X miles bonus!  To be clear, Discover says gift card purchases are NOT eligible going forward.

Where Can You Use Apple Pay?

Link:   Official List of Apple Pay Retailers

Link:   MasterCard Nearby App

Here is Apple’s list of major retailers that accept Apple Pay.  But the number of eligible stores goes way beyond this!

Apple Pay works with NFC (Near Field Communication) technology.  And folks on Reddit suggested that any place with a contactless terminal, should also accept Apple Pay.

How To Earn 2,000 Cash Back At Gas Stations Local Shops Restaurants More

If You See This Symbol at the Register, You Can Probably Make Your Purchase Using Apple Pay

My friend decided to test this out and found a small local deli in her area with a contactless terminal.  The gentleman at the register didn’t know anything about it, but she asked nicely if she could give it a try.

And it worked!  She was able to buy lunch with her Discover it card and Apple Pay!  She earned the 10% cash back bonus from Discover!  And her cash back will be doubled at the end of the year for a total of 22% cash back (1% cash back + 10% bonus = 11%, doubled after 12 billing cycles).

How To Earn 2,000 Cash Back At Gas Stations Local Shops Restaurants More

Many Small Shops and Local Restaurants Accept Apple Pay (but They May Not Know It!)

You can find out which stores around you have NFC terminals with:

If you’re searching on the MasterCard Nearby app, make sure only the “Contactless” category is selected.

How To Earn 2,000 Cash Back At Gas Stations Local Shops Restaurants More

Click “Categories” on the Lower Left Side of the App and Unselect Everything but “Contactless” to Find Stores That May Accept Apple Pay

In Austin, the list includes many places where it’s hard to find ways to save:

  • Animal Hospitals
  • Auto Repair Shops
  • Gas stations
  • Hotels
  • Jewelers
  • Local markets
  • Tailors
How To Earn 2,000 Cash Back At Gas Stations Local Shops Restaurants More

Save up to 22% on the Ring! Then on Tailoring, Hotels, & More for Your Special Day!

Bottom Line

When you use your Discover it card with Apple Pay to make in-store purchases, you’ll earn 10% cash back.  And when you use your Discover it Miles card for in-store purchases with Apple Pay, you’ll earn 10X bonus miles. This deal is good on up to $10,000 in spending through December 31, 2015!

And if you’re a new cardholder or previously registered, Discover will DOUBLE your cash back or miles at the end of your 1st 12 billing cycles.  So you can earn $2,000+ in cash back or 23X miles!

Gift cards are now excluded from this deal.  But Discover still giving 10% cash back to some folks who purchased gift cards before the terms and conditions were changed.

And the great news is, many more places accept Apple Pay than what’s listed on their site.  This includes many gas stations, local restaurants, and small shops!

Check the MasterCard Contactless Merchants site or the MasterCard Nearby app to find locations that may accept Apple Pay in your area!

* If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

Leave a Reply

Your email address will not be published. Required fields are marked *

4 responses to “How to Earn $2,000+ Cash Back at Gas Stations, Local Shops, Restaurants, & More!

  1. Pingback: Maximizing the Apple Pay Promo without Gift Cards - Doctor Of Credit

  2. Just FYI, since the transition over to chip card terminals, a LARGE majority of retailers can now accept Apple Pay. Whether they are listed on Apples Website or not, their new terminals are very likely to be NFC Capable. There are only a few places i shop that i haven’t been able to use apple pay at (7/11 & CVS), but there are plenty of places that you can purchase the same products from (Chevron & Rite-Aid/Walgreens). I’ve even used apple pay at small local businesses (My Doctors Office, Box&Shipping Store, etc) that have the small ” behind the counter” card scanners.

  3. @JBrooks – Yes, there are lots of ways to take advantage of this deal by making purchases you would anyway! Hope you’re enjoying earning all the cash back!

  4. Hi Daraius,
    any way to use it at Amazon to reload my balance and get the 30% cash back?
    I can easily see putting 1k onto my Amazon act. to use for months rather than even attempting 1k at clothing stores, etc.
    Thanks.