Discover
Discover it Miles
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Miles-for-miles match at end of year |
| Rewards Rate | Unlimited 1.5x Miles |
| Intro APR | 0% intro APR for 15 months on purchases and balance transfers; 17.49% - 26.49% variable APR after that; Balance Transfer Fee applies. |
| Regular APR | Purchase APR: 17.49% variable to 26.49% variable. Cash Advance APR: 28.49% variable. Balance Transfer APR: Purchase APR applies. |
| Other Fees | Minimum interest charge: .50 Cash advance fee: greater of 10 or 5% of the advance amount. Balance transfer fee: 3% Intro fee of the amount transferred; 5% fee for future transfers. |
| Network | Discover |
About this card
The Discover it Miles card is a solid choice for consumers looking for a no-annual-fee travel card with a straightforward rewards program. The standout feature is the first-year miles match, effectively doubling the rewards rate to 3% on all purchases, which is very attractive. The lack of an annual fee and the inclusion of an intro APR period add to the card's value. However, the regular APR is relatively high, which can be a concern for those who carry a balance. While the standard 1.5x miles reward rate is decent, it is not exceptional compared to other travel or cash back cards. The combination of a strong sign-up bonus, no annual fee, and decent rewards rate, balanced against a potentially high APR, earns this card an overall rating of 3.6.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Intro APR period
- Cashback on purchases
Things to consider
- High regular APR
- Balance transfer fee
What this card offers
Sign-up bonuses
- We’ll automatically match all the Miles you’ve earned at the end of your first year.
- There is no limit to how much we’ll match.
- There's no signing up, no minimum spending or maximum rewards.
- Just a Miles-for-Miles match.
Rewards
- Unlimited 1.5x Miles
- Earn unlimited 1.5x Miles on travel purchases and all your everyday purchases.
Other features
- Redeem for travel or cash
- Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants, and more.
- 99% nationwide acceptance — Discover is accepted nationwide by 99% of places that take credit cards.
- $0 Fraud Liability
- Free Social Security number alerts
- Freeze your account
- FICO Score and more
- Real human customer service 24/7
- Tap to pay
Additional Notes
4.3 / 5 Average of 1092 Reviews. Rates as of March 31, 2026.