Discover is the only card issuer we have checked that tells you outright to share your referral link on social media. It is far less forthcoming about money: neither the referral amount nor the annual cap appears anywhere public, and both are shown only once you sign in. The figures quoted on comparison sites are not Discover's own, so we do not repeat them.
How you get your link
Sign in to Discover to get your personal referral link.
- Text
- Social media
What the person you refer gets
A statement credit, and this figure varies by account too. They must apply online through the link and make a purchase.
The cap, exactly
Discover caps this at Capped per account, amount not published.
Tax treatment
Discover says statement credits may be taxable and to contact your tax advisor, without naming a form. The 1099-MISC language people cite belongs to its student loan referral, a different product. The tax falls on the person doing the referring, not the person referred. This is reference information, not tax advice.
Where you may share this link
Discover's own terms permit sharing your referral link publicly. Read them yourself before you rely on that, because issuers revise these terms without notice.
When it pays
One to three billing periods after each referral is approved.
The fine print that matters
- Discover states the maximum annual referral amount is given in individual referral offers on login, so no public figure exists.
- The restriction is on how your friend applies, not on how you share. They must apply online through the digital link, and Discover states phone, mail-in, and other digital applications are not eligible.
- The referred party must be approved by 11:59pm ET on December 31, 2026, so this runs as a dated promotion rather than an evergreen program.
- The referred person earns their credit after making a purchase that posts within three months of opening the account.
- Whether the cap counts per card or per person is not stated. We record it as per account because that is as far as the terms go.
Sources: discover.com Share Discover referral page (checked Jul 21, 2026)
Dealaka does not host referral links for this program and takes no share of any referral reward. This page describes the terms Discover publishes. Something wrong? Send a tip.