Discover credit cards were recently acquired by Capital One, and they have rolled out a solid limited-time offer with a spending requirement of only $500. You can stack these all together via my Discover referral link (thank you if you use it):

• $100 Referral Bonus. Must open via a valid referral link and make a minimum payment (exceeding $0) within 8 weeks of opening a new Discover account.
• $200 Early Spend Bonus. Earn a $200 statement credit when you open a Discover it® Cash Back card and spend $500 in the first 3 months. 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.
• Unlimited cash back match during first year. Discover will match all the rewards you’ve earned on your credit card from the day your new account is approved through your first 365 days. That means 1% cashback will turn into 2% cashback, and more notably those 5% cashback categories every quarter turn into 10% cashback categories.

No annual fee. I don’t use my Discover card much beyond the 5% categories, but I appreciate that they make redeeming the cash back easy and that combo has made it a keeper card for over a decade.

You can check if you’ll be approved for this card without a hard credit check, but know that if you actually apply then the usual hard credit check will occur.

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