Discover
Discover it Miles
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% intro APR for 15 months on purchases and balance transfers. 3% intro Balance Transfer Fee until April 10, 2026. |
| Regular APR | Then 17.49% to 26.49% Standard Variable Purchase APR Cash Advance APR: 28.49% variable |
| Other Fees | 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. Minimum interest charge: $.50 |
| 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
- Intro APR period
- Generous sign-up bonus
- Cashback on purchases
Things to consider
- High regular APR
- Balance transfer fee
What this card offers
Sign-up bonuses
- Discover matches all your Miles your first year
- We'll automatically match all the Miles you've earned at the end of your first year.
- No minimum spending requirement on your new card.
- You could turn 35,000 Miles to 70,000 Miles, which is $700 all for you.
Rewards
- 1.5x Miles on every dollar of every purchase
Other features
- 99% nationwide acceptance — Discover is accepted nationwide by 99% of places that take credit cards.
- Get cash for the things you want
- Once you make a travel purchase, simply redeem your Miles as a statement credit towards that purchase. However you redeem, Miles have the same value.
- Use Miles when you pay using PayPal.
- Your Miles won't expire for the life of the account
- $0 Fraud Liability Guarantee
- Free Social Security number alerts
- Freeze your account
- FICO Score and more
- Real human customer service 24/7
- Tap to pay
Additional Notes
Rates as of December 31, 2025.