Three cash-back referral links compared: Chase Freedom Unlimited $200 / Flex $250 after $500 in 3 months ($0 AF), Amex Blue Cash Preferred personalized welcome (often as high as $300 after $3,000 / 6 months; $0 intro then $95; 6% U.S. groceries), and Discover Refer-a-Friend statement credits for both sides after approval + a purchase within 3 months.
Some links are referral links.
Which cash-back card referral fits you?
All three links are issuer Refer-a-Friend pages. Welcome amounts can be personalized or capped. Credit approval required. Official pricing & terms on each issuer site win.
| Card | Welcome / ongoing snapshot | Annual fee | Action |
|---|---|---|---|
| Chase Freedom Unlimited / Flex | Unlimited: $200 after $500 in 3 months. Flex: $250 after $500 in 3 months. 24-month new-cardmember-bonus rule. | $0 | Open |
| Amex Blue Cash Preferred | Personalized welcome — often as high as $300 after $3,000 in 6 months. Ongoing: 6% U.S. groceries (up to $6k/yr), 6% select streaming, 3% gas + transit. | $0 intro year, then $95 | Open |
| Discover (Capital One) | Both sides get a statement credit after digital-link approval by Dec 31, 2026 and a purchase within 3 months. Public write-ups often cite ~$100 each — confirm on the offer. | Many Discover it cards are $0 AF (confirm product) | Open |
Quick decision tips
- Want the simplest $0-fee Chase Freedom welcome with a low $500 spend? Start with Chase Freedom.
- Heavy U.S. grocery spend and okay with $95 after year one? Look at Blue Cash Preferred.
- Want both sides to get a statement credit via Refer-a-Friend? See Discover.
Frequently asked questions
What is the Chase Freedom Unlimited referral bonus right now?
On the verified Refer-a-Friend page: $200 cash back after $500 spend in 3 months ($0 annual fee). Freedom Flex shows $250 after $500 in 3 months.
What is the Amex Blue Cash Preferred welcome offer?
Personalized — many current offers show as high as $300 after $3,000 in 6 months, plus 6% U.S. groceries (cap applies). $0 intro annual fee, then $95.
What is the Discover referral bonus?
You and your friend each get a statement credit after they apply via the digital link, are approved by Dec 31, 2026, and make a purchase within 3 months. Exact dollars are on the individual offer.