The Discover it Miles Credit Card is an excellent choice for individuals looking to earn unlimited miles on every purchase, with no annual fee and a host of additional benefits.
The card offers 1.5 miles for every dollar spent on purchases, making it ideal for frequent travelers, everyday spenders, and anyone who enjoys earning rewards with flexibility.
In addition to earning miles, the Discover it Miles Credit Card features an introductory offer where Discover will match all the miles you’ve earned at the end of your first year, effectively doubling your rewards.
The card also includes no foreign transaction fees, making it an excellent option for those who travel internationally.
About Discover
Discover Financial Services is the issuer of the Discover it Miles Credit Card, a prominent financial services company that has been providing a wide range of credit cards, loans, and banking products for decades.
Known for its transparent pricing, excellent customer service, and commitment to rewarding its customers, Discover has built a strong reputation in the financial industry.
The company is also part of the Discover Global Network, allowing cardholders to use their cards at millions of merchants worldwide, making it a trusted name for consumers seeking financial flexibility.
Who Is This Card For?
The Discover it Miles Credit Card is perfect for:
- Frequent Travelers: Those who travel often will appreciate the unlimited 1.5 miles per dollar on all purchases, which can add up quickly for flights, hotel stays, car rentals, and other travel-related expenses.
- Everyday Shoppers: With 1.5 miles on all purchases, this card is great for people who want to earn rewards on their everyday spending without worrying about rotating categories or restrictions.
- New Credit Cardholders: Those new to credit cards or looking to build their credit can benefit from the no annual fee and easy-to-understand rewards system.
- International Travelers: With no foreign transaction fees, this card is ideal for those who travel abroad frequently and want to avoid extra charges when making purchases in other currencies.
Advantages of the Discover it Miles Credit Card
The Discover it® Miles Credit Card offers several key benefits:
- Unlimited 1.5 Miles on Every Purchase: This card earns 1.5 miles for every dollar spent, meaning you can earn rewards on all your purchases, whether you’re buying groceries, filling up your gas tank, or booking a trip.
- First-Year Miles Match: For the first year, Discover will match all the miles you’ve earned, effectively doubling your rewards. This is an excellent way to boost your travel fund right from the start.
- No Annual Fee: The card comes with no annual fee, allowing you to earn rewards without worrying about extra costs.
- No Foreign Transaction Fees: You won’t incur any additional charges when making purchases while traveling abroad, making this card a great option for international travelers.
- Flexible Miles Redemption: You can redeem your miles for a wide range of rewards, including travel purchases, statement credits, or even gift cards from popular retailers.
- 0% Intro APR for 15 Months: New cardholders can take advantage of a 0% intro APR for the first 15 months on purchases, allowing you to make larger purchases and pay them off over time without paying interest. After the introductory period, a variable APR applies.
- Free FICO® Credit Score: Discover provides free access to your FICO® credit score, which allows you to monitor your credit health and ensure that you’re staying on top of your financial goals.
- Fraud Protection: Discover offers zero fraud liability, ensuring that you won’t be held responsible for unauthorized transactions on your card.
- Travel Assistance Services: Discover also provides travel assistance services, such as emergency card replacement, cash advances, and trip interruption insurance, adding extra peace of mind when you’re on the go.
Why Choose the Discover it Miles Credit Card?
The Discover it® Miles Credit Card is an excellent choice for anyone who wants to earn unlimited miles on their purchases, with no annual fee, no foreign transaction fees, and a miles match in the first year.
Its flexible redemption options, including travel rewards and statement credits, make it a versatile card for earning and using miles.
Plus, the added benefits of purchase protection, travel assistance, and zero fraud liability make it a reliable option for everyday use and travel.
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 travelers looking to earn rewards on every purchase.
It offers unlimited 1.5 miles per dollar on all purchases, with no blackout dates or restrictions.
One of its standout features is the first-year match on miles earned, essentially doubling your rewards.
Additionally, there is no annual fee or foreign transaction fees, making it an affordable and versatile option for frequent travelers.
However, the card lacks some premium travel benefits like airport lounge access, which could be a downside for frequent flyers.
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+Positive points
- 1.5 miles per dollar: Earn unlimited miles on all purchases, making it a great choice for everyday spending.
- First-year match: Discover matches all the miles earned in the first year, doubling your rewards.
- No annual fee: There is no annual fee, making it a cost-effective card.
- No foreign transaction fees: Ideal for international travelers as there are no extra charges for foreign purchases.
- Flexible redemption options: Miles can be redeemed for travel, statement credits, or cash back.
- Negative points
- Lack of premium travel benefits: The card doesn't offer perks like airport lounge access or travel insurance.
- High APR: The APR can be higher compared to some other travel cards.
- No bonus categories: There are no rotating or bonus categories to earn more miles on specific purchases.
