Discount: 40% on apparel, 25% on houseware, no discount on sale items. Applies to Anthropologie and Free People. During employee appreciation, friends and family get 40% off everything, including sale.

What's cool about Urban Outfitters' discount program is you get a "significant other" card you can give your girl, your homie, or your third cousin. Your family gets a discount too. It's normally 25% off, but on employee appreciation days, which occur once a season, it rises up to 40% off everything, including sale items and housewares.