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Discover it® Miles

  • $0 Annual Fee

    Fee for maintaining card

  • $0 Welcome Offer Value

    As of 06/2018

  • 1.5 Miles Per Dollar

    Rewards rate

Apply Now

on Discover Card's website

Terms apply. Rates and fees.

If you’re looking for a no annual fee travel rewards card with flexible redemption options, the Discover it® Miles card may be the card for you. Between a generous welcome bonus and ongoing rewards for all of your purchases, it’s hard to find something to dislike about this travel card.

This review will cover the Discover it® Miles card’s benefits, as well as a highlight when you might find a different card to be of higher value given your spending habits.

At a glance

Discover it® Miles

Apply Now

on Discover Card's website

Terms apply. Rates and fees.

  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • 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.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.

$0

$0

1.5 Miles Per Dollar

Annual Fee

Welcome
Offer Value

Rewards Rate

Discover it® Miles credit card deep dive

The Discover it® Miles credit card is a great low-cost card that shares aspects of both travel and cash back cards, but it won’t provide the maximum value for everybody. Read on for details about the card’s benefits and rewards, as well as some drawbacks worth considering.

Get it: If you’re a moderate spender looking for unlimited opportunities to accrue miles, no annual fee, and flexible rewards

The Discover it® Miles card offers 1.5x miles per dollar on all qualifying purchases—no bonus tiers or category incentives as with some other cards. This makes it easy to accrue miles no matter where you spend your money and means you won’t have to worry about which categories of spending will earn you the most miles.

In addition, given the Discover it® Miles credit card has no annual fee, it could be a great option for serious point maximizers who are looking for a card to use in combination with another rewards card.

Many rewards cards offer a significant number of points or miles for spending in certain categories, and one point or mile for everything else, and could be used as a supplemental card for those “other” purchases to accrue 1.5x miles instead of 1x per dollar.

Lastly, it offers mile redemption in two forms, giving cardholders maximum flexibility.

Some of the benefits of the Discover it® Miles credit card include:

  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • 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.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.

Skip it: If you’re a big spender, are looking for high rewards levels in certain spending categories, or you’re working on your credit score

While a rewards rate of 1.5x miles for all purchases is great for a no-annual-fee card, it’s not very high compared to some other cards that do charge a fee. Accordingly, if you plan to spend a significant amount on your new card, it may be well worth paying for one that offers more rewards per dollar spent.

In addition, these 1.5x points apply for all purchases, meaning you won’t receive elevated rewards for particular categories of spending (such as travel). A number of other cards offer fewer rewards across the board, but significantly higher rewards rates in specific categories, which can be a better fit if your spending is concentrated in one area.

Consider these drawbacks of the card:

  • International acceptance may be an issue: While Discover is accepted in many countries, this doesn’t necessarily mean that individual merchants will accept your card. If you travel abroad frequently, you may encounter issues with Discover card acceptance, so it might be worth traveling with a Visa or Mastercard as a backup
  • Good, not great, rewards rate: If you’re a big spender, you may be better served by a travel card with a higher rewards rate. With higher rewards rates typically come annual fees, but these can be more than made up for if you spend significantly on the card
  • No miles bonuses for travel purchases: While points from your spending can be redeemed as statement credits to reimburse travel expenses, those travel purchases aren’t awarded any bonus miles when they’re made. Some other cards, such as the Platinum Card® from American Express, offer bonus miles for spending on travel expenses—in the case of the AmEx Platinum Card®, five points per dollar on airline purchases booked through airlines or through American Express Travel
  • Not for those with poor credit: The Discover it® Miles card is generally for those with good to excellent credit, which Discover defines as 670 or above. If your credit score is below 670, it’s probably not a great idea to apply for this card, as the hard credit pull made when you apply can hurt your credit score

Summary

Between a generous welcome offer, no annual fee, unlimited ways to accrue miles, and easy redemption for rewards, the Discover it® Miles credit card is an easy way to dip your toes into the world of travel rewards if you’re not a big spender and you have a credit score above 670.