Discover it® Miles review

With this card, you won’t pay an annual fee, but you will earn 1.5x miles on every $1 spent. Discover will also match all the miles you earn during your first year as a new cardholder, getting you in the air that much faster.

Written by
Jennifer Doss
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Miles Card

Discover it® Miles

  • Rewards
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase.
  • Welcome Bonus
  • Discover will match all the Miles you've earned at the end of your first year.
  • Annual Fee
  • $0
card_name
5.0
Credit Score: Excellent, Good
Terms and Limitations Apply

Key Features

Editor Analysis:

Pros
  • Cardholders earn 1.5 miles/$1 spent and Discover matches all the miles you've earned at the end of your first year. This pro alone makes this no-annual-fee card a stronger rewards-earning contender than some cards with substantial annual fees.
  • Miles redemption is easy – just make your travel purchase and then request your redemption in the form of a statement credit.
  • You'll save money when you travel abroad since you won't pay foreign transaction fees.
Cons
  • The match the first year effectively means you earn 3 miles/$1 which is fantastic, but after the first year, it's back to the 1.5 miles/$1 rate. This is still a decent offering, but you'll definitely want to maximize your rewards earning match in the first year to make the most of this card.
ALTERNATE CARD TO CONSIDER

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So you’re the travel-loving type with an adventurous streak that embraces freedom, flexibility and choice as you explore your country and the world? Adventurous you, meet CardName.

This is one travel rewards card that offers some serious bang for very little buck – there’s no annual fee and no foreign transaction fees, you earn 1.5 miles for every dollar you spend on the card AND, new cardholders take note, Discover will MATCH all the miles you earn during your first year as a card member.

Go ahead and do that math – that means new cardholders will effectively earn three miles for every dollar they spend on the card during their first year. Say you earn 35,000 miles your first year– you’ll actually walk away with 70,000! Look out across the travel rewards credit card landscape and you’ll see that this is a hard offer to beat.

Here are a couple of other features that make CardName worth a look:

  • You can redeem rewards in any amount for travel credit or cash back.
  • Regardless of how you redeem your rewards, it’s a simple conversion: 100 miles is always worth $1.

Because it doesn’t lock you into a co-branded airline or hotel, CardName gives you considerable latitude in travel brand choices. And its lack of an annual fee will make you  feel all the freer to jet up, up and away.

CardName rewards

There’s a lot to like about CardName, but knowing that Discover will match all the miles you earn during your first year as a new card member – effectively meaning you earn three miles for every dollar spent – is definitely near the top of the list.

That said, choosing a card based strictly on an introductory offer is rarely the best idea. The good news with CardName, however, is that the flat earning rate of 1.5 miles for all your purchases presents a respectable opportunity to consistently rack up rewards even after your first-year match period has passed. There’s no cap on the number of miles you can earn and your miles never expire. Plus, it’s a flat-rate card which means there’s no need to keep up with tiers or rotating categories.

When you want to redeem those miles, you can either request a statement credit to cover travel purchased within the past 180 days or you can redeem your miles for a cash deposit directly into your checking or savings account. Whichever option you choose, your miles are worth $.01 each – 100 miles always equals $1.

CardName foreign transaction fee

If you need to frequently use your card for purchases abroad, a foreign transaction fee could cost you hundreds of extra dollars. Foreign transaction fees on credit cards are usually around 3%, with dynamic currency conversion fees (DCCs) sometimes as much as 7%. This means that if you use a card with these fees outside of the U.S., you would be looking at paying an extra 3% on however much you spend in a foreign currency.

The CardName does not charge foreign transaction fees, so it can help to save you money next time you travel abroad.

CardName credit score requirements

Discover does not specifically mention the credit score needed to qualify for this card, but it does note that the CardName is designed for those with “good” to “excellent” credit scores. According to the credit scoring agency Experian, a FICO score of 670 would be the bottom of the “good” range. However, this doesn’t mean you’ll automatically qualify if your score is in this range and also keep in mind that different scoring models could offer different scores and ranges.

CardName potential downsides

Many travel cards offer cardholders a one-time bonus in which you can earn a certain sum of miles or points after meeting an initial spending threshold when you first receive the card (for example, earn 50,000 bonus points after spending $3,000 in purchases within your first three months of opening an account). CardName is different in that you have to wait until your account anniversary to receive your bonus.

If it’s likely you will spend a great deal with your card in the first year of ownership, this card’s matched-miles offer leads to a rich reward and can provide the rationale to apply. But if you don’t anticipate buying much with the credit card in that first year, or you can’t wait a year to receive your reward, you may be better off selecting a card that features an up-front bonus.

How do cardholders rate the CardName?

CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results for the CardName:

 Current ScoresPast Scores
Overall Score79.681.1
Features Satisfaction7.58
Customer Service8.28.4
Website/App Usability8.18.4
Likelihood of Continuing to Use8.58.2
Recommend to a Friend/Colleague8.37.8
Scores above reflect the results of surveys with actual cardholders. Full methodology below.

How the CardName compares to other cards

CardName vs. CardName

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CardName is a tiered travel rewards card offering 5x on travel purchased through Chase Travel℠; 3x on dining, select streaming services and online groceries; 2x on all other travel purchases; 1x on all other purchases; a $50 Annual Chase Travel Hotel Credit; and more. It also offers a signup bonus of 75,000 points after you spend $4,000 within the first three months – a bonus that is worth over $900 in travel when redeemed through Chase Travel. It does, however, charge a AnnualFees annual fee.

The key with this comparison is to assess where you most often do your spending. Do you spend enough to make Discover’s match offer pay off or are you someone who would rather spend a few thousand dollars within the first couple of months and then reap your reward? Once your “match year” is over with the CardName you stand to earn more with the CardName if you regularly spend on dining out and travel, but CardName is likely a better bet if you find your spending is more varied since you’ll earn 1.5 miles per dollar on all your purchases as opposed to just one mile per dollar on most purchases with the CardName.

One other thing to keep in mind between these cards is that CardName cardholders enjoy 25% more value when they redeem their points via Chase Travel.

CardName vs. CardName

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If you’re looking for more immediate gratification, you might appreciate the CardName intro bonus offer: enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within three months from account opening, equal to $750 in travel. That said, with Discover it® Miles, if you put all your purchases on the card it’s not hard to see how you could equal or surpass that offer thanks to Discover’s match after the first year.

Similar to CardName, you won’t pay foreign transaction fees with CardName, but you will pay a annual_fees annual fee. You will earn slightly more, two miles per $1 spent with the CardName, but you also have that annual fee to offset.

If you’re looking for simplicity and don’t want to worry about earning enough to offset an annual fee, CardName is likely a better choice.

Is the CardName a good card?

CardName is an excellent card for the non-brand-loyal credit card user who values simplicity along with travel flexibility. Do keep in mind, however, that Discover isn’t quite as widely accepted overseas as Visa and MasterCard, so plan for that accordingly. And If you do take CardName with you abroad, you’ll be relieved to not have to face any foreign transaction fees.

Frequently asked questions

The credit limit for the CardName card can vary depending on factors such as your credit history, income, and other financial considerations. Typically, credit limits for this card range from a few hundred dollars to several thousand dollars. The specific credit limit you receive will be determined by Discover after reviewing your application and creditworthiness.
Discover miles are worth $.01 each, so if you have 50,000 miles, your miles are worth $500.

Our Methodology

Survey methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents’ scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to “How likely are you to recommend this card to a friend, coworker or family member?” was double weighted. Current Scores reflect scores from the most recent survey (2023); “Past Scores” reflect scores from the 2022 survey.

Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.


This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.


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