The Discover it® Miles credit card is a rewarding travel card that offers a simple and straightforward way to earn miles on every purchase, with no annual fee and no rotating categories.
With 1.5 miles per dollar on all purchases, it’s ideal for individuals who want to earn miles without worrying about complicated reward systems.
Discover offers double miles for the first year, allowing new cardholders to get even more out of their spending during the introductory period.
With additional benefits like no foreign transaction fees and an easy-to-use mobile app, the Discover it® Miles card makes travel rewards accessible to a wide range of consumers.
About the Financial Institution
Discover Financial Services is a leading global financial services company known for offering a wide range of credit cards, personal loans, and other banking products.
Discover is highly regarded for its customer service, transparency, and reliable rewards programs, making it a popular choice among consumers who value straightforward benefits and low fees.
The company has consistently ranked high in customer satisfaction and is known for its commitment to helping people achieve their financial goals.
The Discover it® Miles card is just one of many credit cards that embody Discover’s approach to providing simple, rewarding, and consumer-friendly products.
Who Is This Card For?
The Discover it® Miles credit card is perfect for individuals who are looking to earn miles on every purchase without the complexity of rotating categories or restrictions. This card is ideal for:
- Travel enthusiasts who want a card that earns miles on all purchases without worrying about category limitations.
- Frequent spenders looking to accumulate miles for future travel with a flat-rate rewards program.
- Consumers who want a simple rewards card that’s easy to use and manage.
- People who want to earn rewards on both domestic and international purchases, as there are no foreign transaction fees.
Whether you’re booking a flight, dining out, or shopping online, the Discover it® Miles card ensures you earn miles on every dollar spent.
Card Benefits
The Discover it® Miles credit card offers a range of benefits that make it an excellent choice for travelers. Here are some of the top benefits:
- 1.5 Miles per Dollar on Every Purchase: The Discover it® Miles card earns 1.5 miles for every dollar spent on eligible purchases. Whether you’re buying groceries, filling up your car, or booking travel accommodations, you’ll earn miles on every transaction, making it a great choice for anyone looking to earn rewards with minimal effort.
- Double Miles in the First Year: As a new cardholder, you can earn 2 miles per dollar on every purchase in the first year, which means you can double your rewards during this period. This introductory offer allows you to accumulate miles much faster, giving you a head start toward your travel goals.
- No Annual Fee: The Discover it® Miles card has no annual fee, which means you can earn miles without worrying about extra charges. With no fee to maintain the card, all your miles are essentially free to earn and redeem.
- No Foreign Transaction Fees: When using your card abroad, the Discover it® Miles card doesn’t charge foreign transaction fees, making it a great option for international travel. You can use the card in other countries without incurring extra costs on your purchases, which is a huge advantage for frequent travelers.
- Unlimited Miles: The miles you earn with the Discover it® Miles card are unlimited, meaning there’s no cap on how many miles you can earn. No matter how much you spend, you’ll continue to rack up miles that you can redeem for travel rewards, making the card great for those with high spending.
Additional Benefits
Along with the primary benefits, the Discover it® Miles card also provides additional valuable perks:
- Travel Assistance Services: Whether you’re traveling for business or pleasure, the Discover it® Miles card offers access to travel assistance services. This can include help with lost luggage, emergency cash transfer, and more. You’ll also have access to 24/7 customer service for any travel-related issues.
- Travel Accident Insurance: The card also provides travel accident insurance, covering up to a certain amount if you are injured while traveling. This extra protection gives you peace of mind while you’re on the go.
- Mobile App and Account Management: The Discover mobile app allows you to easily manage your account, track your miles, redeem rewards, and make payments. The app is user-friendly and designed to make managing your finances as convenient as possible.
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 is a solid travel card offering 1.5x miles per dollar on all purchases with no category restrictions.
Its standout feature is the unlimited mile match in the first year, effectively doubling rewards.
With no annual fee and no foreign transaction fees, it’s a great choice for budget-conscious travelers.
However, Discover’s limited international acceptance and the lack of luxury travel perks may not appeal to frequent high-end travelers.
You will remain on this site
+Positive points
- Unlimited miles match: Discover matches all miles earned in the first year.
- 1.5x miles on all purchases: Earn 1.5 miles per dollar spent with no category restrictions.
- No annual fee: Enjoy rewards without the burden of an annual fee.
- No foreign transaction fees: Ideal for international travel.
- Flexible redemption: Miles can be redeemed for travel statement credits, gift cards, or cash back.
- Negative points
- Limited international acceptance: Discover is not as widely accepted as Visa or Mastercard.
- Limited luxury perks: Lacks premium benefits like airport lounge access.
- Reward limits: Some rewards programs offer higher earning rates in specific categories.