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Discover it® Miles

Discover it<sup>®</sup> Miles

Discover it® Miles

Bonus Miles
Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Rewards Rate
Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
0% Intro APR
0% Intro APR for 14 months on purchases on purchases, then 11.99% - 22.99% Variable APR
Edited by
Julie Sherrier
Reviewed by
Glen Luke Flanagan
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Discover it® Miles best for?

If you’re looking for a budget-friendly travel rewards credit card that makes it easy to redeem miles for travel, past purchases or cash back, and that charges a $0 annual fee, take a look at the Discover it® Miles card.

The Discover it® Miles earns a competitive flat rate on every purchase, and unlike the Discover it® Cash Back, cardholders don’t have to activate rotating bonus categories every quarter.

Those who travel more frequently may benefit from a higher-end travel rewards card that offers more travel-related benefits and a higher rewards rate, but know that those cards typically charge an annual fee.

We break down where the Discover it® Miles stands out and where it falls short, as well as compare it with a competing travel card — the Capital One VentureOne Rewards Credit Card.

Discover it® Miles overview

    • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
    • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
    • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
    • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
    • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
    • Discover is accepted nationwide by 99% of the places that take credit cards.
    • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
    • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
    • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
    • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Discover Match® details & other information.
  • Credit needed:
    670 850
    Excellent/Good
  • Free FICO Score access
  • Social Security Number monitoring when you sign up
  • Customer service based 100% in the U.S.
  • Freeze and unfreeze your credit card online
  • No late fee on your first late payment
  • No penalty APR
  • $0 fraud liability

Intro Purchase APR

0% Intro APR for 14 months on purchases

Intro BT APR

10.99% Intro APR for 14 months on balance transfers

Annual Fee

$0

Regular Purchase APR

11.99% - 22.99% Variable APR

Cash Advance Fee

see terms

Foreign Transaction Fee

None

Balance Transfer Fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Pros and cons of the Discover it® Miles

Pros

  • Competitive flat-rate rewards
  • Rewards match the first year
  • Intro APR
  • $0 annual fee
  • Foreign transaction fee: None

Cons

  • Can’t transfer miles
  • Can’t book travel through the issuer
  • No travel benefits
  • Not always accepted abroad

What we like about the Discover it® Miles

  • Competitive flat-rate rewards

    The Discover it® Miles lets cardholders automatically earn unlimited 1.5x miles on every dollar of every purchase - with no annual fee. Each mile is worth 1 cent, meaning this is a 1.5% rewards rate.

    There are cards that earn 2% on all purchases and even more for travel purchases, but 1.5% is still solid. Your miles won’t expire as long as your account is in good standing, and there’s no cap on how many you can earn. And Discover makes redeeming miles easy:

    • Get cash back via an electronic deposit to your bank account.
    • Redeem miles for travel purchases you’ve already made with the card.

    When redeeming miles for travel purchases, you must make the redemption within 180 days of the purchase date. Travel purchases that qualify include:

    • Airline tickets
    • Hotel rooms
    • Car rentals
    • Ride-sharing services
    • Commuter transportation
    • Travel agents
    • Online travel sites

  • Rewards match the first year

    This card comes with a unique sign-up bonus for new cardmembers: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

  • Intro APR

    Need time to pay off a big purchase? The Discover it® Miles offers a break on interest charges with an introductory rate on purchases of 0% Intro APR for 14 months on purchases. After, a 11.99% - 22.99% Variable APR applies.

  • $0 annual fee

    With an annual fee of $0, it doesn’t cost you anything to carry the Discover it® Miles.

  • No foreign transaction fee

    Don’t worry about paying an extra fee on each transaction you make outside of the United States, because with this card there is none.

What to watch out for with the Discover it® Miles

  • Can't transfer miles

    Some travel cards, such as the Chase Sapphire Preferred® Card, let cardholders transfer miles to airline and hotel loyalty programs – this card doesn’t.

  • Can't book travel through the issuer

    While some issuers of travel cards offer a portal — such as the Chase Ultimate Rewards portal — where cardholders can book travel, Discover doesn’t provide that option.

  • No travel benefits

    While the most robust travel benefits come with premium travel cards that have expensive annual fees, it’s possible to find benefits such as lost luggage coverage even on cards with no annual fee. However, the Discover it® Miles doesn’t offer travel benefits.

  • Not always accepted abroad

    While Discover has made rapid strides in the United States and is widely accepted at most locations that take credit cards, that’s not always the case in other countries. You may want to have a Visa or Mastercard credit card in your wallet when traveling abroad.

Alternate travel card to the Discover it® Miles

Compare it to the Capital One VentureOne Rewards Credit Card

Disclosures |
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
on Capital One's secure site
0% intro on purchases for 12 months
14.99% - 24.99% (Variable)
$0
1.25 Miles per dollar on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 14.99% - 24.99% variable APR after that
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Another top travel card with a $0 annual fee is the Capital One VentureOne Rewards Credit Card.

Cardholders with the Capital One VentureOne Rewards Credit Card can earn 1.25 miles per dollar on every purchase, every day.

Plus, new cardholders can earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.

The Capital One VentureOne Rewards Credit Card is ideal for those new to travel rewards cards and who want a simple approach to earning and redeeming rewards miles, much like the Capital One Venture Rewards Credit Card ($95 annual fee), but without having to pay to carry the card.

Plus, if you’re looking for a travel card to use frequently outside the U.S., you might want to consider a Visa or Mastercard, which tend to have wider acceptance abroad than Discover. The Capital One VentureOne Rewards Credit Card is a Visa card.

The beauty of the Capital One VentureOne Rewards Credit Card is that cardholders can transfer the miles they earn to multiple airline and hotel partners, plus the card comes with more travel benefits, such as travel accident insurance and no blackout or expirations dates.

Compare the Discover it® Miles to similar cards

Comparison of four different credit cards
Discover it<sup>®</sup> Miles Discover it<sup>®</sup> Cash Back Capital One Venture Rewards Credit Card
Discover it® Miles Discover it® Cash Back Capital One Venture Rewards Credit Card
Apply Now
on Discover's secure site
Apply Now
on Discover's secure site
Apply Now
on Capital One's secure site
Apply Now
Annual Fee
$0 $0 $95 N/A
Welcome Offer
Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel N/A
Rewards Rate
Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee. 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically 2 Miles per dollar on every purchase, every day N/A
Intro Purchase APR
0% Intro APR for 14 months on purchases 0% for 14 months N/A N/A
Regular APR
11.99% - 22.99% Variable APR 11.99% - 22.99% Variable APR 15.99% - 23.99% (Variable) N/A
Recommended Credit
Excellent/Good Excellent/Good Excellent/Good N/A
Card Details
Discover it® Miles Discover it® Cash Back Capital One Venture Rewards Credit Card

Is the Discover it® Miles right for you?

The Discover it® Miles with its $0 annual fee is an overall good choice for the occasional traveler. It offers a solid flat-rate rewards program and makes it easy to redeem miles for cash back or past travel purchases.

However, due to the lack of travel benefits on this card, consumers who would like to have protections such as lost luggage coverage will likely want to consider other credit cards.

The information related to the Wells Fargo Propel American Express® card  has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

Apply Now
on Discover's secure site