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Discover it® Miles

Credit needed
Excellent, Good
APR
Variable APR: 11.99% to 22.99%
Annual Fee
$0

Card Summary

The Discover It Miles card is an affordable travel credit card that offers a simple incentive to new cardholders. Instead of a sign-up bonus like other cards, Discover will match every mile earned during the first year.

To maximize its value, the card must be used for at least one year. The flat rewards rate is appealing to some customers, but it's not the best.

Discover it Miles offers include access to your FICO credit score and monitoring of your Social Security numbers. You can also freeze your account if you lose or steal your card through the Discover app or website.

Review of Discover It Miles: While this card offers a special unlimited sign-up bonus and a few premium travel perks. It is not the best.

The pros:

You automatically earn miles when you become a cardholder for the first year.
Delivers unlimited 1.5 miles per dollar on every purchase.
Flexible redemption options available to you in order to avoid blackout dates.

Card Summary - Cons

A traditional sign up bonus is not available. There are no bonus opportunities. No airline and hotel partners. Worldwide acceptance of Discover is not possible.

This is a great place to be:

People who are able to maximize their first year bonus.
For travelers who are looking for flexible redemption options.

It's not great for:

Regular travelers looking for a wide range of travel benefits.
A person who is able to earn greater rewards by using a different credit cards.

Rates and fees

Issuer Name
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Penalty APR
N/A
Credit Needed
Excellent, Good
Balance Transfer Fee
3% Intro Balance Transfer Fee, then a 5% future transfer fee.
Annual Fee
$0
Cash Advance Fee
N/A
APR
Variable APR: 11.99% to 22.99%
Foreign Transaction Fee
None
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The Best Features

Rewards

Sign up bonus

APR Requirements

Drawbacks

Highlights

Unlimited Bonus: Discover offers an unlimited match for all Miles earned during your first year. You get 70,000 Miles if you have 35,000 Miles.

You don't have to sign up or spend minimum amount. There are no maximum rewards. Only a Miles for Miles match. Earn unlimited 1.5x miles on each dollar you spend - without an annual fee.

You can redeem miles to pay your entire monthly bill including the minimum. You can convert your Miles to cash at any price and any time.

Redeem as a credit card for travel expenses such as airfares, hotel stays, taxi rides, gas stations and restaurants. Miles can be redeemed in any way you like, but they will always have the same value. Miles are never lost.

There are no blackout dates. You can use your Discover it Miles card to pay for all travel expenses, including hotels and rental cars. Nearly 99% of all credit card shops accept Discover. You can instantly freeze your account with the on/off switch on either the website or mobile app.

This will prevent you from making new purchases, cash advances and balance transfer.Receive your Credit Scorecard free of charge with your FICO credit score, number of recent inquiries and more.

Benefits

Comparative Analysis with Other Cards

Bank of America Travel Rewards Credit Card vs. Discover It Miles

Annual fees: There is no annual fee for either card.

Reward: You can earn 1.5 Discover It Miles for every dollar spent on any purchase. There is no cap to the number of miles that you can accumulate. You can also earn unlimited 1.5 points for every $1 you spend on purchases made with the Bank of America Travel Rewards card.

Sign up bonus: Discover will match all points you earn in your first year of Discover it Miles. The Bank of America Rewards credit card offers 25,000 bonus online points for purchases of at least $1,000 within the first 90 days of opening an account.

Benefits: Discover it Miles allows you to easily freeze your account. It also gives you access to your FICO credit scores and warns you when your Social Security number is on the dark internet.

Bank of America Travel Rewards credit cards offer contactless access and monthly free access to your FICO scores.

Chase Freedom Unlimited, vs. Discover It Miles

Annual fees: There is no annual fee for either card.

Reward: You can earn 1.5 Discover It Miles for every dollar you spend. There is no cap on how many you can earn. Chase Freedom Unlimited gives you unlimited 1.5% cashback on all purchases, plus 5% on travel booked through Chase. You also get 3% dining out at restaurants or at pharmacies.

Sign up bonus: Discover will match any Discover it Miles points you earn in the first year. After you have spent $500 in the first 3 months of your account opening, Chase Freedom Unlimited will give you a $200 bonus.

Benefits: With Discover It Miles, you can easily freeze your account. You also have free access to FICO credit scores and are alerted if you Social Security numbers appear on the dark internet.

Chase Freedom Unlimited offers purchase protection up to $500 for each claim, plus an additional year of manufacturer warranties.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

Do You Need the Discover It Miles Card?

If you are:

You can get lots of value from the sign up bonus if you spend enough.
Avoid traveling abroad too often.
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