Discover it® Cash Back: The Best No-Annual-Fee Card for Everyone

The Discover it® Cash Back card is a favorite for a simple reason: it's incredibly rewarding and has absolutely no annual fee. It's often the first card we recommend for students and those looking to maximize cash back.

Key Benefits

• 5% Cash Back on everyday categories each quarter (like Amazon, Grocery Stores, and Gas Stations) up to the quarterly maximum when you activate.
• 1% Cash Back on all other purchases.
• Cashback Match™: Discover automatically doubles all the cash back you’ve earned at the end of your first year.
• No Annual Fee.

Who is it for?

This card is for anyone who wants to earn high cash back without paying a fee. It's also excellent for people who enjoy "gamifying" their spending by tracking quarterly categories to hit that 5% mark.

Usage Scenarios

• Quarterly Categories: Use it exclusively for the 5% category (e.g., use it for all your Christmas shopping on Amazon in Q4).
• First Year Spending: Since everything is doubled, it effectively becomes a 10% back card on categories and 2% back on everything else for the first 12 months.

How to Refer Others

Discover has one of the simplest referral programs:

1. Log in to your Discover account.
2. Go to the "Rewards" tab and select "Refer a Friend."
3. Copy your link.
4. Post it on Referbonuses.com to help others get started with a $100 bonus.

Referral Benefits

You earn a $100 Statement Credit for each friend who is approved. It's one of the most straightforward "cash for clicks" programs available.

Why Use a Referral Link to Apply?

If you apply directly on Discover's website, you often get $0 as a signup bonus. If you apply through a referral link, you and the person who referred you both get a $100 bonus after you make your first purchase. It's a literal win-win.

Why Use Referbonuses?

Don't miss out on a free $100. Use Referbonuses.com to find a valid Discover referral link before you apply. It takes 5 seconds and puts money directly in your pocket.