Discover it Miles Review
As a no-annual-fee credit card, the Discover it Miles card benefits individuals with good to excellent credit that want to earn free travel rewards on all purchases without the hassle. Earning 1.5 miles per dollar spent on all purchases, cardholders can sit back and watch their miles grow without having to track any bonus categories.
The Discover it Miles credit card is a simple yet solid option for those who want to start earning travel rewards at no annual cost. Aside from offering 1.5 miles per dollar spent on any purchase, the card’s welcome bonus will match all the miles earned in your first year, allowing you to double your rewards. However, if you’re looking to maximize your travel rewards, you may want to opt for a card with a higher rewards rate, as it may take a while to accrue enough miles for your travel needs.
Card Details to Know Up Front
- Bonus, Fee or FeatureHas or Not
- Has Annual Fee
- Has Balance Transfer Offer
- Has APR Offer
- Cash Back Rewards
- Travel Rewards
Discover it Miles at a Glance
With the Discover it Miles card, cardholders can earn miles on all purchases without having to track any bonus categories. This makes it a hassle-free travel card with no annual fee, keeping it simple for those who occasionally travel and want to mind their budget.
- Discover it Miles Credit Card
A good no-annual-fee travel credit card with an intro 0% APR offer
- Good-ExcellentCredit Needed
- $0Annual Fee
- 1.5 MilesRewards Rate
Pros & Cons Explained
It’s important to understand the pros and cons of a particular credit card to decide if it’s the best card for your needs. MoneyGeek outlined the benefits and drawbacks of the Discover it Miles Credit Card below to help you make an informed decision.
- Bonus miles in your first yearDiscover will automatically match all the miles you earn at the end of your first year with no limits. This means that if you earn 50,000 miles at the end of the year, you’ll end up with 100,000 miles. For individuals who plan to spend a significant amount immediately after opening their card, this is an ideal option.
- Redeem how you want itAside from travel credit, you can redeem your rewards in cash.
- No annual feeThe Discover it Miles card comes with no annual fees, which make it an affordable travel card for anyone interested in earning travel rewards.
- No foreign transaction feesAside from spending to earn miles at home, you can spend and earn miles elsewhere. The Discover it Miles card has no foreign transaction fees, which means you won’t get charged extra if you make a purchase abroad.
- No luxury travel perksFrequent travelers may dislike the Discover it Miles card as there are no perks such as access to an airport lounge.
- No bonus categoriesThe Discover it Miles card offers a straightforward way to earn miles, which means there are no bonus categories for those who spend more on groceries or gas.
- It may be difficult to obtainFor the Discover it Miles Credit Card, a high credit score between Good and Excellent is required.
Although the Discover it Miles Credit Card is an excellent travel card for infrequent travelers, it did not make MoneyGeek’s list of the top-rated travel rewards cards. If you’re a frequent traveler or just want a higher-reward card, you can review MoneyGeek’s ranking of the best travel rewards cards to find something that better suits your needs.
Bonuses & Rewards Explained
Featuring a simple yet solid rewards program and an enticing welcome bonus, the Discover it Miles Credit Card benefits budget travelers and minimalist card holders.
The Discover it Miles card offers 1.5 miles for every dollar spent on all purchases. This means that if you spend $500, you will earn 750 miles. Even better, there’s no limit on the amount of miles you can earn or minimum spending requirement to accrue miles.
In your first year, Discover will match all your earned miles. This means that if you earned 50,000 miles, you’ll receive an additional 50,000 miles. This match is not subject to a cap, which means Discover will match any amount of mileage.
Flexible Rewards Redemption
If you no longer want the miles or simply need cash, you can redeem your miles as cash, a statement credit for a travel purchase, purchases through Amazon or purchases made with PayPal.
Introductory 0% APR
Aside from offering a great welcome bonus, the Discover it Miles card also comes with a 0% introductory APR for the first 15 months.
Other Features Explained
Beyond offering travel rewards, the Discover it Miles card offers users plenty of other features.
- Card FeatureDescription
- Fraud ProtectionDiscover monitors your cards and accounts 24/7 for possible fraud. You won’t be responsible for any unauthorized purchases made with your card.
- Freeze It®Discover allows you to freeze your account quickly and easily through their online portal, preventing any new purchases, cash advances or balance transfers if your card is stolen.
- Inquiry and New Account AlertsDiscover monitors your credit report for you, and will notify you if anyone pulls your report or opens a new account.
Take advantage of the welcome bonus in your first year and maximize your spending with the Discover it Miles card. Even if you have other rewards cards, you can stand to earn more from the Discover it Miles card due to its uncapped matching policy.
Understanding the Fine Print
The Discover it Miles Credit Card can save you money on travel, but it’s important to consider the card’s interest rates and fees before applying.
- Card FeatureAmount or Rate
- APR11.99% - 22.99%
- Annual Fee$0
- Cash Back Rewards
- Rewards Rate1.5 Miles
- Airline Benefits
Introductory and Regular Annual Percentage Rate (APR)
With the Discover it Miles Credit Card, you’ll pay 0% APR for the first 15 months. Afterward, you’ll pay between 12.24% and 23.24%, depending on your credit score and evaluation.
Travel Rewards Rate
You stand to earn 1.5 miles for every dollar on any purchase. There is no limit to the number of miles you can earn per year and no expiration, which means you do not have to spend your travel rewards within a specified period of time.
Penalty Fees (Late and Returned Payment)
Discover charges no fee for your first missed payment. However, every late payment made afterwards will have a charge of up to $40. All returned payments will be subject to a $40 fee, regardless if it was your first offense.
Balance Transfer APR
Discover offers balance transfer APRs at 12.24% to 23.24%.
The Discover it Miles Credit Card has an APR of 25.24% on cash advances.
If you want to compare the Discover it Miles Credit Card to other travel cards in the market, you can review the Consumer Financial Protection Bureau’s credit card agreement database. For your existing cards, we recommend checking your most recent financial statement for rate information.
Who Should & Shouldn’t Consider Discover it Miles?
Other Considerations for Discover it Miles
Consider how you plan to use the Discover it Miles Credit Card before deciding whether or not to apply. Whether it’s your only credit card, or one of many credit cards, improper use or management of credit can have repercussions later on.
Things to Consider if This Will Be Your First or Only Credit Card
If the Discover it Miles card is your only card, keep the credit card’s high APR range in mind when making purchases. The 0% introductory APR is only valid for the first 15 months. Letting your balance roll over into the next month means that you’ll likely end up paying at least 12.24% in interest (or more). However, if you plan to take advantage of the welcome bonus and can pay off your balance before the end of each billing cycle, then this card may work well for you.
Things to Consider if This Will Be an Additional Card in Your Wallet
Adding the Discover it Miles Credit Card to your wallet can be helpful if you’d like to earn more rewards in other categories. For instance, if you have an existing rewards card that benefits your grocery spending, you can prioritize other purchases like gas or entertainment costs to your Discover it Miles Credit Card to earn more.
This card would also be best for international purchases, as it comes with no foreign transaction fees.
However, you may want to use a different card if you aren’t sure you’ll be able to make on-time payments, as the card has a relatively high minimum and maximum APR. You may be better off with cards that have a lower APR for high-value spending as to not incur too much interest.
When reviewing credit cards, MoneyGeek follows a structured and streamlined approach. This involves collecting information from the Consumer Financial Protection Bureau's database, standardizing the data points for easy comparison, estimating average spend profiles, determining long-term value and performing regular re-rankings.
How Discover it Miles Compares to Other Cards
The Discover it Miles card's versatility makes it stand out as a no-fee travel card. However, whether or not it’s right for you depends on your needs and what you’re looking for.
Quick Comparison of Discover it Miles
Discover It Miles
- APR: 12.24%–23.24%
- Reward rate: 1.5 miles per $1
- Annual fee: $0
- Welcome bonus: Matched miles for the first year with no limit.
- Best for: Individuals who want to earn higher bonus points on everyday spending and plan to spend a lot in their first year
Capital One VentureOne Rewards
- APR: 15.24%–25.24%
- Reward rate: 1.25 miles per $1
- Annual fee: $0
- Welcome bonus: Earn a 20,000-mile bonus if you spend $500 on purchases within three months from account opening.
- Best for: Individuals who want unlimited rewards and can take advantage of Venture One’s travel partners
Other Helpful Decision-Making Q&As
If you’re thinking about getting the Discover it Miles card, review the FAQs below prior to sending in your application.
Still not sure about this card? Consider these options.
With Discover it Miles, you won't have to pay any additional fees to get travel rewards. With a stellar welcome bonus and an attractive introductory 0% APR, you would be hard-pressed to find a no-annual-fee card with the same rewards. However, if you’re a frequent traveler who needs more value for money, you may be better off with a travel card that rewards spending in certain categories or offers better perks. Review the rest of MoneyGeek’s best rewards credit cards to see how you can maximize your spending.
Capital One Quicksilver Rewards
American Express Marriott Bonvoy Business Card
Wells Fargo Business Platinum Credit Card
Capital One Quicksilver Student Rewards
American Express Delta SkyMiles Gold Card
Bank of America Premium Rewards Card
Chase Ink Business Preferred
PenFed Power Cash Rewards Visa Signature Card
Mastercard Titanium Card
Disney Premier Visa Card
Chase Ink Business Unlimited
Chase Sapphire Reserve
Chase Marriott Bonvoy Bold
American Express Delta SkyMiles Platinum Business Card
Chase British Airways Visa Signature
U.S. Bank Altitude Connect Visa Signature Card
American Express Delta SkyMiles Platinum Card
Credit One Bank Platinum Rewards Visa
Chase Southwest Rapid Rewards Performance Business
American Express Delta SkyMiles Reserve Business Card
Chase Southwest Rapid Rewards Plus
Navy Federal Visa cashRewards Card
American Express Delta SkyMiles Reserve Card
Capital One Spark Cash Plus
Chase Southwest Rapid Rewards Premier
Capital One Spark Miles
Upgrade Bitcoin Rewards Visa
Capital One Spark Cash Select
Credit One Bank Platinum Visa
Capital One Spark Cash Select - Good Credit
Chase Southwest Rapid Rewards Premier Business
Disney Visa Card
Mastercard Black Card
Wells Fargo Business Secured Credit Card
American Express Hilton Honors Surpass Card
Credit One Bank Platinum Visa for Rebuilding Credit
American Express Hilton Honors Business Card
Capital One Platinum Secured Card
Chase United Business
American Express Hilton Honors Card
Amazon Prime Rewards Visa Signature Card
Capital One QuicksilverOne Rewards
Chase United Club Infinite
Indigo Platinum Mastercard
USAA Rate Advantage Visa Platinum Card
American Express Plum Card
Wells Fargo Active Cash Card
Chase United Explorer
American Express The Platinum Card
Wells Fargo Reflect Card
NASCAR® American Express® Card from Credit One Bank
Bank of America BankAmericard
Indigo Unsecured Mastercard
U.S. Bank Triple Cash Rewards Visa Business Card
Citi AAdvantage Executive World Elite Mastercard
Chase World of Hyatt
Bank of America BankAmericard for Students
World of Hyatt Business Credit Card
Bank of America Travel Rewards for Students
Bank of America Business Advantage Travel Rewards
Chase Slate Edge
Chime Credit Builder Secured Visa Credit Card
Bank of America Cash Rewards for Students
Citi American Airlines AAdvantage MileUp Mastercard
Navy Federal More Rewards American Express
Mastercard Gold Card
Citi CitiBusiness AAdvantage Platinum Select Mastercard
American Express Marriott Bonvoy Brilliant Card
Discover it Student Cash Back Credit Card
Capital One Journey Student Rewards
Citi Double Cash Card
Navy Federal Credit Union Visa Signature Flagship Rewards
Capital One Platinum Credit Card
Citi Costco Anywhere Visa Business Card
Discover it Chrome Credit Card
Merrick Bank Double Your Line Secured Visa
Capital One SavorOne Rewards
Merrick Bank Secured Visa
PenFed Platinum Rewards Visa Signature
Deserve EDU Mastercard for Students
Southwest Rapid Rewards Priority Credit Card
Assent Platinum 0% Intro Rate Mastercard Secured Credit Card
Capital One SavorOne Rewards for Students
Chase Freedom Student
Citi Premier Card
Capital One Venture
Capital One VentureOne Rewards
Citi Rewards+ Card
Citi Secured Mastercard
American Express Blue Business Plus Credit Card
Chase Marriott Bonvoy Boundless
Chase IHG Rewards Club Traveler
Discover it Miles
United Quest Card
PenFed Pathfinder Rewards Visa Signature
Capital One Venture X
American Express Blue Cash Everyday Card
American Express Blue Cash Preferred Card
Capital One Walmart Rewards Mastercard
American Express Business Gold Card
Learn more about credit cards in general
- Discover. "Discover It Miles." Accessed April 12, 2022.
- Discover. "Discover it® Miles Application." Accessed April 12, 2022.
- Discover. "Credit Card Benefits: Discover Card Rewards." Accessed April 12, 2022.
- Discover. "Mobile." Accessed April 12, 2022.
- Discover. "Should You Request a Credit Line Increase?." Accessed April 12, 2022.
- J.D. Power. "While Many U.S. Credit Card Issuers Struggle to Meet Evolving Customer Expectations, Some Bright Spots Exist, J.D. Power Finds." Accessed April 12, 2022.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.