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Make sure you both get rewarded

No harm to your credit score

Refer a friend

DISCOVER® CARD BENEFITS
Unlimited rewards match
We’ll automatically match all the rewards you’ve earned at the end of your first year. There’s no limit to how much we’ll match. 2
Low intro APR
You may be eligible for a credit card that has a 0% introductory APR offer for 6 months.
$0 annual fee
Keep more in your pocket with no annual fee. So, you have more money to spend where it matters.
$1 CASH BACK = $1 TO REDEEM
Use your rewards to shop for what you need or want. One dollar earned is worth one dollar you can spend. And 100 Miles = $1 to redeem. 3
$0 FRAUD LIABILITY GUARANTEE
Protect your peace of mind with $0 liability for unauthorized purchases on your card. 4

GET REWARDED TOGETHER

Check your eligibility

Checking your eligibility for card offers won’t hurt your credit score. Just select “Check My Eligibility” on this page to get started.

Apply for your card

Review your card offers and accept the one that’s right for you.

Enjoy your card

If you’re approved and make a payment with your card in the first 3 months, you and your friend both get a $100 statement credit.

How do I check my eligibility?

Select “Check My Eligibility” below to get started—it won’t harm your credit score. You’ll know which cards you’re eligible for in as little as 90 seconds. And you can compare offers to find the right one for you.

Check my eligibility

FREQUENTLY ASKED QUESTIONS

Select the “Check My Eligibility” button and complete the form. To be a part of the refer-a-friend program, you must apply from this page. If you leave this page for some reason, just be sure to come back here to apply. Otherwise your friend won’t get their bonus.

Don’t worry. Your referral information will be automatically passed to the application. The person who referred you will get credit for the referral if you’re approved.

We won’t tell anyone whether or not you have applied for a credit card or if you have been approved or declined. But, just remember that we may give your friend a referral bonus if your application is approved and, as a result, they may be able to tell that your application was approved (especially if they didn’t refer anyone else).

The only potential impact your application could have on your friend is that—if you are approved—they might receive a referral bonus. Other than that, we cannot disclose any information on who has applied or been approved, so your friend will not be notified of the status of your application.

Terms apply. See Refer a Friend Program Terms & Conditions for Discover Cards for full eligibility and additional details.

We’ll check your eligibility for the cards listed below.

Cards you’re offered may have different terms, including introductory rates and bonuses, from those available elsewhere on our website.  

Rate and fee information

Discover it Cash Back
  • Purchase &
  • Transfer APR: 0% intro APR for 15 months; 17.49% - 26.49% variable APR after that
  • Cash Advance APR: 28.49% variable
  • Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Transfer Fee: 3% fee on the amounts transferred within the first 15 months; 5% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you
  • Annual Fee: $0
Discover it Miles
  • Purchase &
  • Transfer APR: 0% intro APR for 15 months; 17.49% - 26.49% variable APR after that
  • Cash Advance APR: 28.49% variable
  • Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Transfer Fee: 3% fee on the amounts transferred within the first 15 months; 5% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you
  • Annual Fee: $0
Discover it Chrome
  • Purchase &
  • Transfer APR: 0% intro APR for 15 months; 17.49% - 26.49% variable APR after that
  • Cash Advance APR: 28.49% variable
  • Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Transfer Fee: 3% fee on the amounts transferred within the first 15 months; 5% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you
  • Annual Fee: $0
Discover it Cash Back for Good Credit
  • Purchase &
  • Transfer APR: 28.99% variable APR; no intro APR
  • Cash Advance APR: 28.49% variable
  • Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Transfer Fee: no transfer fee with this transfer APR; 5% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you
  • Annual Fee: $0
Discover it Miles for Good Credit
  • Purchase &
  • Transfer APR: 28.99% variable APR; no intro APR
  • Cash Advance APR: 28.49% variable
  • Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Transfer Fee: no transfer fee with this transfer APR; 5% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you
  • Annual Fee: $0
Discover it Chrome for Good Credit
  • Purchase &
  • Transfer APR: 28.99% variable APR; no intro APR
  • Cash Advance APR: 28.49% variable
  • Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Transfer Fee: no transfer fee with this transfer APR; 5% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you
  • Annual Fee: $0
Discover it Student Cash Back
  • Purchase APR: 0% intro APR for 6 months; 16.49% - 25.49% variable APR after that
  • Transfer APR: 16.49% - 25.49% variable APR; no intro APR
  • Cash Advance APR: 28.49% variable
  • Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Transfer Fee: no transfer fee with this transfer APR; 5% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you
  • Annual Fee: $0
Discover it Student Chrome
  • Purchase APR: 0% intro APR for 6 months; 16.49% - 25.49% variable APR after that
  • Transfer APR: 16.49% - 25.49% variable APR; no intro APR
  • Cash Advance APR: 28.49% variable
  • Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Transfer Fee: no transfer fee with this transfer APR; 5% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you
  • Annual Fee: $0
Discover it Secured Cash Back
  • Purchase &
  • Transfer APR: 28.99% variable APR
  • Cash Advance APR: 28.99% variable APR
  • Cash Advance Fee: Fee of $5 or 5% of the amount of each cash advance, whichever is greater
  • Transfer Fee: no transfer fee with this transfer APR; 5% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you
  • Annual Fee: $0
  1. 1

    Up to $200 Combined Offer: To earn up to a $200 total value, you must meet the requirements for both the $100 referral bonus and the limited-time $100 Early Spend Bonus (ESB).

    $100 Early Spend Bonus: Earn a $100 statement credit when you open a Discover it® Student Cash Back card and spend $300 in the first 3 months. This limited-time, one-time bonus is available by clicking the "Check My Eligibility" button on this page, and may not be available if you navigate away from or close this page. Once you qualify for this bonus, we will apply it to your statement within two billing cycles. Existing or previous cardmembers may not be eligible for this product if they have received a new cardmember bonus for this product in the past 48 months.

    $100 Referral Bonus: You will receive a $100 statement credit referral bonus if you apply online for the specific offer sent via the digital link provided and are approved. Each eligible referred friend will receive a $100 statement credit after making a minimum payment (exceeding $0) that is posted to their account within 8 weeks of opening a new Discover account. A Balance Transfer or Cash Advance does not qualify as a purchase. Phone, mail-in, and other digital applications are not eligible for referral bonuses. Existing Primary Discover cardmembers and those who have opted out of receiving marketing communications from Discover are not eligible referrals. Please allow up to 1-3 billing periods for the statement credit to post to your account after approval.

  2. 2

    We'll match all the rewards you've earned on your credit card from the day your new account is approved through your first 365 days and add it to your rewards account within two billing periods. You earn rewards only when transactions are processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover or Capital One checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

  3. 3

    You earn rewards which are stored in your rewards balance and must be redeemed in order to spend. See terms for more details.

  4. 4

    Claims of unauthorized use are subject to verification and investigation.