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20% off at Amazon with Discover credit cards

CNN logo CNN 9/22/2020 By Jennifer Yellin
a hand holding a cellphone © iStock

If you're a Discover card holder and an Amazon shopper, you might be in luck. There are currently two different targeted promotions that can help you save money on many products sold at Amazon when you use cash back points from select Discover cards.

But both of these promotions are slated to end on September 30, so if you're going to take advantage of them, now's the time.

The first targeted promotion offers a 20% discount on most products sold directly by Amazon when you use cash back points from select Discover cards. Some card holders are seeing a $10 maximum on this offer, while others are getting $20. But if you're eligible, you can save up to $20 when you use Discover cash back to pay for at least a portion of your purchase at checkout.

The second promotion offers $10 off a $60 purchase at Amazon, although some accounts might instead see an $80 or $100 minimum. If you're targeted for this one, all you have to do is use your Discover cash back to pay for at least a portion of your purchase at checkout by Sept. 30.

a screenshot of a cell phone: The latest Amazon/Discover promotion offers $10 off a $60 purchase (or in some cases, an $80 or $100 purchase). © Amazon The latest Amazon/Discover promotion offers $10 off a $60 purchase (or in some cases, an $80 or $100 purchase).

There are a number of steps you'll need to follow to actually lock in the savings from either of these offers, so we've put together a step-by-step guide to ensure you're getting every penny.

How to save 20% at Amazon with your Discover card

For starters, in order to potentially be targeted for this promotion, you must have a Discover credit card. These include the Discover it® Cash Back, the Discover it® Miles and the Discover it® Chrome.

a screenshot of a cell phone: Take $20 off your grocery bill by buying a gift card to Whole Foods and applying this Discover offer. © Amazon Take $20 off your grocery bill by buying a gift card to Whole Foods and applying this Discover offer.

If you have one of these cards but haven't connected your Discover card to your Amazon account, you'll need to link your two accounts. Log in to Amazon and add your Discover card as a payment method, then look for the option to enroll in "Shop with Points" under the "Your Account" tab. On the next screen, click the "Enroll" button for the Discover card you just added.

Once your accounts are linked, you'll need to check to see if you're eligible for either offer:

Unfortunately, both are targeted promotions, so you might see a message saying that you're not eligible, even if you have a Discover card connected to your Amazon account. Also, if you just enrolled in "Shop with Points," you may need to wait 24 hours for Amazon's records to refresh before being able to activate the offer.

If you're eligible, make sure to activate either — or both — offers by clicking on the "Activate now" button. You can then go ahead and shop at Amazon as you normally would, but during the checkout process, you'll want to select your linked Discover card as your payment method. You'll then need to apply at least 1 Discover cash back point to pay for your purchase to trigger the 20% discount.

Related: Lower your expenses by getting one of these credit cards with no annual fee.

Amazon might automatically default to applying points for the full purchase amount, but you can manually change it and designate the number of points you want to apply toward your purchase — as little as 1 point if you want. The rest of the purchase can then be paid for with your Discover card.

a screenshot of a cell phone: Add your Discover credit card to your Amazon account and enroll in "Shop with Points." © Provided by CNN Add your Discover credit card to your Amazon account and enroll in "Shop with Points."

Fortunately, you'll get the same value when redeeming your Discover cash back at Amazon as you'd receive if you chose a statement credit redemption instead. Basically, $1 in cash back equals $1 at Amazon, which means you're getting the same 1 cent per point. This is a much better value than what you'd receive when using American Express or Chase points, who often run similar Amazon promotions for their own card members.

Related: Get up to 40% off at Amazon with targeted American Express cards.

Once you've applied at least 1 point to your payment, you'll see the discount added to your order, but keep in mind you'll only see the discount on items sold directly by Amazon, not most third-party sellers.

For the $10 off promotion, you'll need to place a single order with the minimum purchase amount to see the savings. With the 20% discount offer, the discount will apply to all of your Amazon orders placed between now and Sept. 30 until you reach the $20 maximum savings. You just need to pay with your Discover cash card each time and apply at least 1 point.

Get discounts on some great Amazon products

Either of these promotions will save you money — and you can save even more if you're lucky enough to be targeted for both. But let's look at a few examples to see how the 20% discount works using the $20 maximum, since that's potentially the more lucrative of the two promotions.

a screenshot of a cell phone: Targeted Discover card holders can get 20% off at Amazon. © Provided by CNN Targeted Discover card holders can get 20% off at Amazon.

In CNN Underscored's recent roundup of the best kitchen knife sets of 2020, this Chicago Cutlery Fusion 17-Piece Knife Block Set was named our overall best knife set. Currently pricing at $106, you can snag these top-notch kitchen utensils for just $86 plus taxes and shipping once the $20 Capital One discount is applied.

Or, if you're looking for something more on the go, you can get this 64GB Apple iPad mini for $329 with the 20% discount as of this writing, plus taxes and shipping.

You can even pair these promotions with many of Amazon's daily deals or any of its other money-saving offers, like saving $20 when you spend $60 on select beauty products.

a screenshot of a cell phone: Save 20% off this top-notch knife set with the Discover discount. © Amazon Save 20% off this top-notch knife set with the Discover discount.

Related: Pay off your debt faster with these balance transfer credit cards.

20% off third-party gift cards too

While these Discover discounts don't apply to Amazon gift cards, they do apply to many other third-party gift cards that Amazon sells. And Amazon literally has hundreds of options, including retailers that might be useful right now such as Netflix, DoorDash, Safeway and more.

a screenshot of a cell phone: You can save $20 on this iPad with the Discover discount. © Amazon You can save $20 on this iPad with the Discover discount.

So even if you don't have anything you need at Amazon at the moment, you can buy a gift card for yourself using the discount and bank the savings for later.

What should you do if you're not targeted?

If you're not targeted for either of these particular Discover promotions, keep checking back, as sometimes previously ineligible customers are suddenly eligible. Similar offers also re-surface throughout the year, so there's a chance you'll be able to receive savings at another point in 2020.

You can also see if you're eligible for a similar promotion Amazon currently has on American Express cards that could score you a discount of up to 40% if you're targeted. There's also a Chase offer for $15 off a $50 purchase at Amazon, and Capital One has its own 20% off promotion for its credit card holders at Amazon.

If you happen to be eligible for both one of the Discover offers and an offer with another credit card, you could be looking at a total of well over $100 in savings. But keep in mind that you can't combine points from different credit card programs on a single purchase.

And if you don't have any of these credit cards, make sure you check out our guide to be sure you're using the best credit card for Amazon purchases, even if you can't get any discounts right now.

With Amazon being a go-to shopping site right now for many households, this promotion is the perfect way to save money if you're eligible. But there's only a short time left to take advantage of it, since it ends on September 30. So make sure you take a look if you're a Discover card holder, and if you're targeted, get your $10 or 20% discount — or maybe both — when you buy from Amazon today!

Find out which items CNN Underscored chose as our best selling Amazon products.

a screenshot of a cell phone: You only need to apply 1 Discover cash back point to your Amazon order to get the 20% discount. © Amazon You only need to apply 1 Discover cash back point to your Amazon order to get the 20% discount.
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