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For consumers who appreciate competitive perks, fewer annoying credit card fees, and ease of use, Discover credit cards are a popular choice -- and the Discover it® Miles card is solid travel credit card pick that offers unlimited miles. There's a lot to like about this card -- find out if it fits your needs in our Discover it® Miles review.
On Discover's Secure Website.
On Discover's Secure Website.
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
16.99% - 27.99% Variable APR
Rewards Redeem for Travel or Cash. Easily redeem Miles as a statement credit for travel purchases or get cash
1.5 Miles per dollar on purchases
Annual Fee
$0
Welcome Offer Discover will match all the Miles you’ve earned at the end of your first year.
Miles match
A no-nonsense, no-annual-fee travel rewards card built for occasional travelers. The unlimited Miles and sign-up bonus are lucrative standout perks.
This credit card is a good fit for: Rewards enthusiasts who want a straightforward travel card that cuts common credit card fees.
The Discover it® Miles earns 1.5 Miles per $1 on purchases. You can redeem miles as cash back, apply them to travel purchases, or use them to shop on Amazon. No matter the redemption method, they're worth $0.01 per Mile.
Discover will match all of the Miles you earn in the first year that you have this card for new cardholders. For example, if you earn 30,000 Miles in that first year, Discover will give you another 30,000. This is one of the more valuable sign-up bonuses for consumers who put all their spending on a single credit card.
Many popular travel cards charge an annual fee. The Discover it® Miles isn't one of them.
This intro rate applies to purchases and balance transfers for the first 15 months, allowing you to fund purchases and complete balance transfers without incurring interest during the intro period. Keep in mind that after 15 months, the intro APR will increase to the variable rate. It may be best to charge only purchases you can afford to pay off within that time frame, in addition, making sure you transfer any balances as well.
Like most travel credit cards, the Discover it® Miles doesn't charge a foreign transaction fee. The standard foreign transaction fee amount is 3% for many credit cards, so you should always have a credit card without this fee when you're traveling internationally.
Discover makes it easy to monitor your credit score by including a free FICO® Score for every cardholder. This is accessible via Discover's app or online account management portal.
Read more: Best Travel Rewards Credit Cards
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Chase Sapphire Preferred® Card | Discover it® Cash Back |
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. |
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Apply Now for Discover it® Cash Back
On Discover's Secure Website. |
Rates & Fees | |
Credit Rating Requirement:
Good/Excellent (670-850)
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. |
Credit Rating Requirement:
Good/Excellent (670-850)
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. |
Welcome Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. 60,000 bonus points |
Welcome Offer: Intro Offer: 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. Cashback Match |
Rewards Program: Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more. 1x - 5x points |
Rewards Program: Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. 1% - 5% Cashback |
Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months |
Regular APR: 21.24% - 28.24% Variable |
Regular APR: 16.99% - 27.99% Variable APR |
Annual Fee: N/A $95 |
Annual Fee: $0 |
Highlights:
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Highlights:
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Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Apply Now for Discover it® Cash Back
On Discover's Secure Website. |
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With the Discover it® Miles you always get $0.01 per mile. Many other travel credit cards also give you the option to transfer your rewards to travel partners, such as airlines and hotels. Since these transferable travel rewards give you more redemption options, you can often get more value from them.
Cards from other brands, notably Visa and Mastercard, typically come with a set of travel perks and benefits like car insurance and coverage for lost or damaged luggage. The Discover it® Miles lacks many of these extras.
Read more: Best Business Credit Cards for Travel
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
The Discover it® Miles is intended for people with good to excellent credit, or a FICO® Score of at least 670. Your credit score isn't the only factor that matters when applying for a credit card, but it is one of the most important.
The Discover it® Miles is best suited to those who want easy-to-use credit card rewards and who don't spend that much. This card has a good earning rate, considering that it doesn’t charge an annual fee. However, if you spend more than $1,500 to $2,000 per month, you could get more value from travel cards with higher rewards rates.
The Miles this card offers are perfect if you want to keep it simple. And although this is technically a travel card, you could also use it as a cash back card, since you get the same $0.01 per Mile rate that way and can redeem miles for statement credits or cash back.
The minimum starting credit limit for the Discover it® Miles card is $500, but it's possible to get a much larger limit depending on your creditworthiness. Many cardholders have reported credit limits of $10,000 or more.
The Discover it® Miles card works with all airlines. You can use miles as statement credits to reimburse travel purchases. Miles are also redeemable for cash back and to pay at checkout with Amazon and PayPal.
Discover it® Miles are worth $0.01 per mile.
Our Credit Cards Expert
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