Discover
Discover it Miles
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | All earned miles matched first year |
| Rewards Rate | Unlimited 1.5x miles |
| Intro APR | 0% intro APR for 15 months on purchases and balance transfers |
| Regular APR | 17.74% - 26.74% variable APR after that |
| Other Fees | Balance Transfer Fee applies |
| Network | Discover |
About this card
The Discover it Miles card is a very strong contender, particularly for consumers seeking a straightforward travel rewards card with no annual fee and significant first-year value. Its standout feature is the unlimited miles match at the end of the first year, effectively doubling the reward rate to an exceptional 3% back on all purchases, making the initial value proposition extremely attractive (Rewards Rating: 4.1, SignUp Bonus Rating: 4.5). The card also excels in its fee structure, boasting no annual fee and no foreign transaction fees (Fees Rating: 4.0), which is a major benefit for a travel-oriented card. Furthermore, the 0% intro APR for 15 months on purchases and balance transfers is highly competitive, offering valuable breathing room for new purchases or debt consolidation. Discover's strong reputation for customer service and transparency further enhances the card's appeal. However, the primary drawback is the relatively high regular APR (17.74% - 26.74% variable) that applies after the introductory period (APR Rating: 2.8). While this is a significant concern for cardholders who tend to carry a balance, it is less impactful for those who pay in full monthly. The standard 1.5x miles rate after the first year is solid but not industry-leading for long-term flat-rate earning. Weighing the exceptional first-year value, strong fee structure, and reputable issuer against the high potential regular APR, the card provides excellent overall value, especially for those who can leverage the introductory offers and avoid interest charges.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Cashback on all purchases
- Flat rewards rate
- Flexible redemption options
Things to consider
- High regular APR
- Balance transfer fees apply
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
- 99% nationwide acceptance — Discover is accepted at 99% of places that take credit cards nationwide.
- $0 Fraud Liability — You’re never responsible for unauthorized purchases on your Discover Card.
- Free Social Security number alerts — Get an alert if we find your Social Security number on the dark web. Sign up for CreditWise today - it’s available even if you don’t have a Discover card.
- Lock your card — Lock your card in the mobile app if it’s misplaced, lost, or stolen.
- FICO® Score and more — It’s free and checking your score doesn’t hurt your credit. Sign up for CreditWise today - it’s available even if you don’t have a Discover card.
- Real human customer service 24/7 — You can talk to a real human on our customer service team any time.
- Tap to pay — It’s fast and easy to pay with your contactless Discover Card.
- 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.
Additional Notes
The offer terms presented on this page (including, but not limited to, APR rates) may be different than offer terms displayed if you navigate away from this page. Check the terms of your specific offer before you move forward with submitting an application.