Discover it® Miles Credit Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Discover
- Intro purchase APR
- 0% for 15 months from date of account opening
At a glance
The Discover It Miles Card is a straightforward travel card designed for those who want an easy way to earn miles. The card earns a flat-rate 1.5 miles per dollar spent on purchases, with Discover matching the total number of miles earned for the first year. The card also comes with 0% intro APR for 14 months on purchases, no annual fee, and no foreign transaction fees.
Our review of the Discover it® Miles Credit Card
The Discover It Miles Card is the perfect choice for those looking to earn rewards miles without any hassle. Cardholders earn unlimited 1.5X miles for every dollar spent on purchases, with no annual fee or foreign transaction fees.
Discover prides itself on simplifying the credit card experience, and the Discover It Miles Card is no exception. Cardholders can enjoy no hidden fees, no blackout dates for travel redemptions, and miles that never expire.
Who Can Benefit from the Miles Credit Card?
The Discover It Miles card is ideal for beginners in the world of travel credit cards. It offers a straightforward rewards system that eliminates the confusion often associated with maximizing rewards.
Benefits for Beginners
The Discover It Miles card provides benefits like waiving the late fee on your first late payment, making it forgiving for new credit card users.
How to Get the Card
Getting the Discover It Miles card is simple and follows the same application process as other Discover credit cards. To be eligible, a credit rating of excellent or good credit, and a FICO credit score of 670+ is generally required.
Pre-Qualify Before You Apply
Prospective cardholders have the option to pre-qualify before applying, allowing them to check if they meet the initial criteria without impacting their credit score.
How to Earn Miles with Discover
Cardholders earn an unlimited 1.5X miles on every dollar spent with the Discover It Miles Card, with no cap on yearly miles. Additionally, at the end of the first year, Discover matches all the miles earned, doubling the rewards potential.
What Are Discover Miles Worth?
Discover Miles have a value of one cent per mile, making them a valuable rewards currency. Cardholders can redeem their miles for cash or statement credits for travel purchases with no blackout dates.
Other Card Benefits
In addition to the rewards program, Discover It Miles cardholders can enjoy a range of security protections and benefits, including:
- Fraud Protection
- No annual fee
- No foreign transaction fees
- 24/7 U.S.-based customer service
Comparison
Here’s how the Discover It Miles card compares to other no annual fee travel cards:
| Card | Annual Fee | Rewards | Intro APR |
|---|---|---|---|
| Discover it® Miles | $0 | Unlimited 1.5X miles on all purchases | 0% for 15 months |
| Commerce Miles® Visa | $0 | Unlimited 2.5X miles on travel & 1X on others | 0% for 12 months |
| Bank of America® Travel | $0 | Unlimited 1.5X points on all purchases | 0% for 15 months |
What We Like About the Discover It Miles Credit Card
- Miles Match: Discover matches all miles earned in the first year, doubling rewards potential.
- Competitive Rewards: Earn 1.5X miles on every dollar spent, making it ideal for frequent credit card users.
Things to Consider
- Limited Redemption Options: Miles cannot be converted directly into trips or transferred to partner airlines or hotels.
Should You Apply for the Discover It Miles Card?
The Discover It Miles Card is a solid choice for domestic travelers looking to earn rewards without any hassle. However, international travelers may find better options due to limited acceptance of Discover outside of North America. Additionally, those looking for more versatile rewards may prefer the Discover It Cash Back card.
Overall, the Discover It Miles card offers competitive rewards, no annual fee, and valuable benefits, making it a great option for those looking to maximize their rewards potential.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn unlimited 1.5x Miles for every dollar spent on all purchases
- Automatic cashback match your first year
- Redeem your Miles as a statement credit with no blackout dates
- Earnings never expire"
Who this card may suit
- You plan to use this card to book travel frequently
- You don’t expect to use the card outside of the United States
- You want to double your miles after the first year automatically
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 15 months from date of account opening |
| Regular Purchase APR | 17.24% to 28.24% variable based on creditworthiness and Prime Rate |
| Intro Balance Transfer APR | 0% for 15 months from date of first transfer |
| Balance Transfer APR | 17.24% to 28.24% variable based on creditworthiness and Prime Rate |
| Balance Transfer Transaction Fee | 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Late Payment Penalty Fee | None the first time you pay late. After that, up to $41 |
| Return Payment Penalty Fee | Up to $41 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Discover it® Miles Credit Card
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