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Discover it® Miles Review

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What Discover says about this card

Apply online for Discover it® Miles
  • UNLIMITED BONUS: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That's $700 towards travel! The more you earn, the more you get.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

By Brooklyn Lowery Site Editor  Updated Nov 12, 2019

Discover it® Miles Essentials

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 Discover it® Miles.

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, but 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. Look out across the travel rewards credit card landscape, and you’ll be hard-pressed to find a better earning card than that.

Here are a couple of other features that make Discover it® Miles 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.
  • You’ll pay no interest on purchases for the first 14 months with Discover it® Miles (then, 13.49% - 24.49% Variable).

Because it doesn't lock you into a co-branded airline or hotel, Discover it® Miles 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.

CardRatings Editor's Analysis: Pros & Cons

  • 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 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.
  • The match the first year that effectively means you earn 3 miles/$1 is fantastic, but it ends. After that first year, it's back to the 1.5 miles/$1 rate, which is still decent but you'll definitely want to maximize your rewards earning match in the first year.

What Our Editors Like Best about Discover it® Miles

There’s a lot to like about Discover it® Miles, but knowing that Discover will match all the miles you earn during your first year for new card members – effectively meaning you earn three miles for every $1 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 Discover it® Miles, 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.

Beyond offering solid rewards earning and redemption opportunities, Discover it® Miles is also a no-annual-fee card that doesn’t charge foreign transaction fees and comes with a number of other perks that set it apart.

Discover also boasts an all U.S.-based customer service team and has won a number of customer service awards.

On top of all this, Discover it® Miles members also have the ability to track their FICO scores, free and online, and have access to Freeze it®, an anti-fraud tool that allows you to freeze your account should if you misplace your card and instantly reactivate your card when you find it.

And, who doesn't appreciate the chance to choose the color of your card from a selection of eye-popping shades (sure to keep you from overlooking the card in your wallet, right?)

For brand loyal consumers, co-branded credit cards often represent the superior choice, but for people who prefer whimsy and spontaneity to strict planning and brand boxes, a high-earning, unrestricted travel rewards card is likely a better option.

Potential Downsides of Discover it® Miles

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, earning 50,000 bonus points after spending $3,000 in purchases within your first three months with a new card). Discover it® Miles is different.

It all leads to a decision for anyone considering Discover it® Miles. If it's likely you will spend a great deal with your card in the first year of ownership, the matched-miles offer Discover it® Miles 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, you may do better by selecting a card that features an up-front, one-time bonus.

Top Features

Rewards Bonus Rewards Regular APR
1.5x Miles UNLIMITED BONUS: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That's $700 towards travel! The more you earn, the more you get. 13.49% - 24.49% Variable

How Discover it® Miles Compares to Other Travel Rewards Credit Cards

Discover it® Miles vs. Chase Sapphire Preferred®

Chase Sapphire Preferred® Card is a tiered travel rewards card with which cardholders earn two times the points for travel and dining purchases and one point per $1 spent on all other purchases. It also offers a sign-up bonus of 60,000 points after you spend $4,000 within the first three months – a bonus that is worth up to $750 in travel when redeemed through Chase Ultimate Rewards®. Chase Sapphire Preferred® Card, however, charges a $95 annual fee.

The key with this comparison is to assess where you most often do your spending. Do you spend enough to make Disover’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 Discover it® Miles, you stand to earn more with Chase Sapphire Preferred® Card if you regularly spend on dining out and travel, but Discover it® Miles is likely a better bet if you find your spending is more varied since you’ll earn 1.5 miles per $1 on all your purchases as opposed to just one mile per $1 on most purchases with Chase Sapphire Preferred® Card.

One other thing to keep in mind between these cards is that Chase Sapphire Preferred® Card cardholders enjoy 25 percent more value when they redeem their points for travel via Chase Ultimate Rewards®.

Discover it® Miles vs. Capital One® Venture® Rewards Card

If you’re looking for more immediate gratification, you might appreciate the Capital One® Venture® Rewards Credit Card intro bonus offer: 50,000 miles (equal to $500 in travel) after you spend $3,000 in purchases in the first three months. 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.

Similarly to Discover it® Miles, you won’t pay foreign transaction fees with Capital One® Venture® Rewards Credit Card, but you will pay a $95 annual fee after the first year. You will earn slightly more, two miles per $1 spent with the Capital One® Venture® Rewards Credit Card, 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, Discover it® Miles is likely a better choice.

Discover it® Miles vs. Bank of America® Travel Rewards Visa® credit card

The Bank of America® Travel Rewards Visa® credit card is quite similar to Discover it® Miles in that it doesn’t charge an annual fee and cardholders earn 1.5 points per $1 spent. When it comes time to redeem your rewards, however, Bank of America® Travel Rewards Visa® credit card holders will have to contend with differing reward redemption rates depending on whether you redeem for statement credit to cover travel or for a cash deposit into an account.

There’s also a difference in terms of a bonus offers – with the Bank of America® Travel Rewards Visa® credit card you can earn 25,000 online bonus points after spending $1,000 in the first 90 days, which is a fairly low bar, but also a fairly low bonus offer worth just $250 in statement credit to cover your travel purchases. You could likely match or top that with Discover it® Miles match offer.

Who Should Get This Card?

Discover it® Miles 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. If you do take Discover it® Miles, you’ll be sure to enjoy that you won’t be facing any foreign transaction fees.

Discover it® Miles compared to other airline cards

Card Name
Rewards
Bonus Rewards
Regular APR
Ratings/Apply
1.5x Miles
UNLIMITED BONUS: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That's $700 towards travel! The more you earn, the more you get.
13.49% - 24.49% Variable
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases. Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. Earn 1 AAdvantage® mile per $1 spent on other purchases.
Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
17.24% - 25.24% (Variable) 
Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations, plus 1 Avios per $1 spent on all other purchases.
Earn up to 100,000 bonus Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.
17.49% - 24.49% Variable 
Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases
Limited time offer! Earn up to 65,000 Bonus Miles. 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. Plus earn an additional 25,000 bonus miles after you spend $10,000 total on purchases in the first 6 months your account is open.
17.99% - 24.99% Variable 
Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on other purchases
Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening.
17.49% - 25.49% (Variable) 

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