Discover has 5% cash back categories that change every quarter. One is Amazon, online shopping, restaurants, etc.

They’re legit. They make money in a myriad of different ways but they’re not screwing people over (at least not from what I’ve heard and personal experience).

It’s just a different way to pay for something. In contrast, you could often get 1-3% back if you bought it with a credit card (and assuming you had the cash to pay it off without accruing interest) so it isn’t always a better deal.

Four things are really high in your budget -

1. Phone
2. Electric
3. Eating out
4. Internet

Shop around/take steps to reduce usage. There’s cheaper options there that can likely save you a few hundred a month. r/frugal is a good place to look.

If you don’t need the car for commuting/daily tasks like groceries then I would sell it. Get an electric bike or something. You can host more things at your house, ask friends to pick you up, or Uber. It would likely all still be cheaper than your current payment + insurance and gas.