Discover It® Miles Card
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The Discover It® Miles Card is a 1.5x rewards card. It offers 1.5 miles for every dollar you spend. Discover doesn’t pay a welcome bonus, but it does offer Discover Match. Discover matches the miles you earn at the end of the first year. Say you spend $10,000 on your card in the first year. That would mean you earn 15,000 miles. Discover then doubles these miles, so that you earned 30,000 miles.
Miles are worth about a penny each no matter how you redeem them. This can be a benefit, if you don’t want to spend a lot of time squeezing every last bit of value out of your rewards. On the other hand, you can’t squeeze any more value out of your rewards. One quirk of this card is that even though it’s ostensibly a travel card, it doesn’t offer any travel benefits. We dive into the details and your approval odds in this Discover It Miles review.
Our Rating
4.3/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
15
Reward Rate
1.5%
0% on Balance Transfers
15
Welcome Offer
None
Features & Benefits
| Security | EMV Chip Enabled, Card Lock |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Free credit score access |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | $0 |
| Regular APR | 17.24% to 28.24% (V) APR |
| Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 17.24% to 28.24%(V) APR after that. |
| Balance Transfer Intro Fee | Intro fee of 3% of the amount of each transfer for transfers that post to your account by June 10, 2024 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer. |
| Balance Transfer Fee | Intro fee of 3% of the amount of each transfer for transfers that post to your account by June 10, 2024 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer. |
| Purchases | 0% Intro APR for 15 months on purchases, then 17.24% to 28.24% (V) APR after that. |
What Credit Score Is Required to Get the Discover It® Miles Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 684
Average Approved Credit Score: 735
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 09/01/2023 | Experian | ||
| Approved | 05/02/2023 | Equifax | ||
| Approved | 05/02/2023 | TransUnion | ||
| Approved | 05/02/2023 | Experian |
Pros & Cons
- 1.5 miles back on every dollar you spend
- No annual fee
- Redeem miles for cash
- 0% APR for the first 14 months
- Regular APR can be high
- Requires good/excellent credit
- No signup bonus
- Top rewards rate is 1.5% after the first year
- Discover not as widely accepted as Visa or Mastercard
What Are the Best Alternatives?
Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0
Chase Freedom Unlimited®
Rating
4.9
Rewards Range
1.5% - 5%
Annual Fee
$0
Chase Sapphire Preferred® Card
Rating
4.9
Rewards Range
1x - 5x points
Annual Fee
$95