The Discover It® Miles Credit Card is a popular travel rewards card that offers a unique way to earn miles.
This card allows you to accumulate unlimited 1.5 miles for every dollar you spend on purchases, with no rotating categories to worry about.
Whether you’re traveling or making everyday purchases, you’ll earn miles for every swipe.
Additionally, Discover offers a cashback match at the end of your first year, doubling your earned miles.
Who Should Consider This Card?
The Discover It® Miles Credit Card is perfect for individuals who want a simple and straightforward travel rewards card without the hassle of tracking rotating categories.
If you’re looking for a way to earn miles on everyday purchases, this card could be a great option.
It’s also ideal for those who travel occasionally and want to earn rewards toward flights, hotels, or other travel-related expenses.
Additionally, if you’re new to travel rewards and want a low-maintenance credit card that doesn’t charge an annual fee, this card is worth considering.
Main Benefits of the Card
- 1.5 Miles per Dollar: The Discover It® Miles Credit Card allows you to earn 1.5 miles for every dollar spent, which is a solid rate for an everyday rewards card.
- First-Year Cashback Match: At the end of your first year, Discover will match all the miles you’ve earned, giving you an instant boost to your rewards.
- No Annual Fee: This card comes with no annual fee, making it an affordable option for those who want to earn rewards without the extra cost.
- No Foreign Transaction Fees: Many credit cards charge a fee for purchases made abroad, but this card has no foreign transaction fees, which makes it ideal for international travelers.
- Flexible Redemption Options: Miles can be redeemed for travel expenses, including flights, hotels, and car rentals, or you can convert them to cashback.
Additional Features and Protections
- Fraud Protection: Discover provides zero liability for unauthorized transactions, offering peace of mind when using your card.
- Free FICO® Score: Access your free FICO® score on your monthly statements, helping you stay on top of your credit health.
- Free Identity Theft Alerts: Discover monitors your account for suspicious activity and will send you alerts to help protect you from identity theft.
- Travel Assistance Services: You’ll have access to travel assistance if you run into any issues while traveling, such as lost luggage or emergencies.
Fees and Interest Rates
- APR: The Discover It® Miles Credit Card offers a 0% introductory APR on purchases and balance transfers for the first 15 months. After that, the APR will vary based on your creditworthiness.
- Balance Transfer Fee: A 3% fee applies for each balance transfer made during the first 14 months.
- Cash Advance Fee: A 5% fee applies to cash advances, with a minimum fee of $10.
- No Annual Fee: There’s no annual fee, which is a major plus for individuals who want to earn rewards without the additional cost.
Is the Discover It® Miles Credit Card Worth It?
The Discover It® Miles Credit Card is an excellent option for those looking for a simple and flexible travel rewards card.
With no annual fee, no foreign transaction fees, and a great rewards rate, it offers solid value for travelers and everyday spenders alike.
Additionally, the first-year cashback match is a standout feature that significantly enhances the value of the rewards you earn.
If you’re looking for an easy way to earn miles without worrying about rotating categories or spending limits, this card could be a perfect fit.
Fees and charges
Late Payment: None the first time you pay late. After that, up to $41;
Returned Payment: Up to $30.
● Introductory APR: 0% for 15 billing cycles;
● Standard APR: 18.24% - 27.24%;
● Balance Transfer Fee: 3% fee per transfer until April 10, 2025 (0% intro APR offer). After that, 5% per transfer;
● Cash Advance: Either $10 or 5% of the amount of each cash advance.
Expert review
The Discover It® Miles Credit Card is an excellent choice for those looking to earn travel rewards with simplicity.
Offering a solid 1.5 miles per dollar spent, it provides a straightforward way to accumulate rewards without the complexity of rotating categories.
The no annual fee and first-year cashback match are standout benefits, boosting your rewards in the initial year.
Additionally, the card has no foreign transaction fees, making it ideal for travelers.
Overall, it's a versatile, low-maintenance card for earning miles efficiently.
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+Pros
- Unlimited 1.5 Miles per Dollar: Earn a consistent 1.5 miles on every purchase, with no rotating categories.
- First-Year Cashback Match: Discover will match all the miles you earn in your first year, effectively doubling your rewards.
- No Annual Fee: Enjoy the benefits of a travel rewards card without worrying about an annual fee.
- No Foreign Transaction Fees: Perfect for travelers, as there are no extra charges when making purchases abroad.
- Flexible Redemption: Redeem your miles for travel expenses, gift cards, or even cash back.
- Cons
- Limited Bonus Categories: Unlike some other cards, the Discover It® Miles card does not offer bonus categories for higher earning potential.
- High APR: The APR can be quite high, which may lead to expensive interest charges if you carry a balance.
- Limited International Acceptance: Although Discover is growing, it is still less widely accepted abroad compared to other major credit card networks like Visa or MasterCard.
