The Discover it® Miles is a versatile option for those looking for a no-annual-fee credit card with a simple and transparent rewards program, designed for both travel and cashback. Its main highlight is the exclusive Miles Match® benefit from Discover, which doubles all miles earned in the first year with no earning cap.
With no foreign transaction fees and the option to redeem points as a statement credit, this card works well for different types of users, whether frequent travelers or those who prefer cash rewards. Here’s a closer look at what this card has to offer.
Key Features
The Discover it® Miles offers a straightforward rewards system, with no rotating categories or complicated requirements:
- Miles earning: 1.5 miles for every dollar spent on all purchases, with no earning limit.
- Miles Match®: At the end of the first year, Discover automatically doubles all the miles you’ve earned. For example, if you earn 20,000 miles, you’ll receive another 20,000 as a bonus.
- No annual fee: Zero cost to keep the card.
- Redemption options: Miles can be redeemed for flights, hotel stays, car rentals, or applied as a statement credit.
- Flexible bonus: Miles never expire as long as your account remains active.
- Digital control: Discover’s app and website let you track spending and rewards in real time.
Additional Benefits
In addition to the rewards program, the Discover it® Miles offers several perks that add value to the card:
- Fraud protection: Continuous transaction monitoring and instant alerts for suspicious activity.
- Account freeze with one click: Temporarily block new purchases directly from the app.
- Free FICO® Score access: Monitor your credit history right in the app.
- 24/7 customer service: Phone support based in the U.S.
- First free card replacement in case of loss or damage.
- No late fee on your first missed payment: Extra flexibility for unexpected situations.
Rates and Terms
Before applying for the Discover it® Miles, it’s important to review its rates and terms, as they directly affect the cardholder experience.
The card has no annual fee, which is one of its biggest advantages. It also comes with a 0% introductory APR for the first 15 months, a strong incentive for new users. After the promo period, the variable APR ranges from 17.24% to 28.24%, depending on your credit.
The foreign transaction fee is 0%, making it ideal for travelers who want to use their card abroad. The late payment fee is $0 for the first missed payment, but can go up to $41 for subsequent ones.
These rates may change over time, so it’s always best to confirm the details before applying.
Who Is It For?
The Discover it® Miles is a great choice for frequent travelers who want a no-hassle miles program. Its points structure is one of the card’s biggest draws, perfect for those looking for travel-related perks, from miles to discounts and no foreign transaction fees.
It’s also appealing to people who prefer no-annual-fee cards or value flexibility in redeeming points or cashback. The first-year offers, with 0% interest and double rewards, are especially attractive to new cardholders.
Overall, it’s a well-rounded option for different users, though eligibility requirements tend to favor those with a solid credit history and good credit score.
How to Apply for the Discover it® Miles
If the Discover it® Miles fits what you’re looking for in a credit card, here’s the simple, fully online application process:
- Go to Discover’s official website and select the “Discover it® Miles” card.
- Fill out the form with personal information, annual income, and employment details.
- Wait for the credit check, many applicants get a decision within minutes.
- If approved, your card will be mailed within 7 business days.
- Activate it via the website or app and start earning miles immediately.
If you already have another Discover it card and want to upgrade, you can speak with your account manager or request it through the app, which manages your account details and balance.
Is the Discover it® Miles Credit Card Worth It?
The Discover it® Miles is a solid choice for those who want simplicity and flexibility in their rewards. With attractive points on every purchase, double rewards in the first year, and a welcome bonus for new cardholders, it offers strong value for various types of users.
It also stands out for having no annual fee and no foreign transaction fees, two big selling points for travelers. While it doesn’t include premium travel perks like airport lounge access or annual travel credits, it’s still a reliable, low-cost, and user-friendly option for anyone seeking a balance between rewards and affordability.
All information in this and other BOISLA articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
Read more about credit cards in https://boisla.com/category/credit-cards/
