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Discover it Miles Travel Credit Card Review
Discover it® Miles is a flexible travel rewards credit card with no annual fee. Cardholders automatically earn unlimited 1.5x Miles on every dollar of every purchase, which you can redeem as cash, a statement credit for travel purchases, at checkout with Amazon or as a PayPal payment.
Instead of a traditional sign-up bonus, Discover will match all the Miles you’ve earned at the end of your first year. Discover it® Miles features include free access to your FICO credit score, Social Security number monitoring and the option to freeze your account using the Discover website or app.
- Issuer NameDiscover
- Credit NeededExcellent, Good
- Annual Fee$0
- APR17.24% – 28.24% Variable APR
- Purchases Intro APR0% Intro APR for 15 months
- Balance Transfer Fee3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
- Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
- Foreign Transaction FeeNone
- Want to earn flexible flat-rate travel rewards with no annual fee.
- Spend enough to get a lot of value out of the first-year miles matching bonus.
- Don’t need extensive travel benefits.
The Discover it® Miles card offers a lot of value in the first year, since Discover will match all the Miles you’ve earned at the end of your first year. It’s a good idea to maximize this bonus if you need to make big purchases in the first year.
New cardholders can take advantage of the 0% intro APR for 15 months on purchases. You’ll also get 0% intro APR for 15 months on balance transfers from the date of your first transfer. After that, the 17.24% to 28.24% variable APR applies, so you should plan to pay off your balance before the introductory rate expires.
Editor’s Take
This card is good if you want flexible travel rewards and don’t want to pay an annual fee. With a $0 annual fee and a flat-rate 1.5x Miles per dollar travel rewards, you can get a lot of value out of the Discover it® Miles card, especially if you can capitalize on the fact Discover will match all the Miles you’ve earned at the end of your first year.
But the Discover it® Miles card’s 1.5x Miles per dollar isn’t the greatest rewards rate you can earn with a travel rewards card. You could get more value from a card that charges an annual fee but offers more in rewards and travel benefits. For example, the Capital One Venture Rewards Credit Card has a $95 annual fee but earns a flat-rate 2 Miles per dollar on every purchase, every day, with the opportunity to earn 5 miles per dollar on Capital One Travel hotel and rental car bookings. (See Rates & Fees)
Jessica MerrittContributor
You won’t get a traditional sign-up bonus with the Discover it® Miles card, but Discover will match all the Miles you’ve earned at the end of your first year.
With a flat-rate 1.5x Miles per dollar on all purchases, there are no bonus categories to keep track of to maximize earnings – you can just use your card to earn miles. You’ll get a boost in earning rewards since Discover will match all the Miles you’ve earned at the end of your first year.
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