4.2 / 5
- Welcome
- 20,000 points
- Annual fee
- $0
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Discover · it
Discover it Miles
3.6 / 5
Discover Cashback Bonus · Personal card
A no-annual-fee flat-rate card whose first-year Miles Match effectively doubles the 1.5x rate to 3x for 12 months. Miles are only worth 1 cent each and there are no transfer partners, and Discover acceptance is weaker outside the United States.
At a glance
- Welcome bonus
- No welcome bonus
- No spend requirement
- Annual fee
- $0
- Purchase APR
- 17.49% to 26.49%
- Intro: 0% for 15 months
- FX fee
- None
- BT intro: 0% for 15 months
Editorial
Our take
A no-annual-fee flat-rate card whose first-year Miles Match effectively doubles the 1.5x rate to 3x for 12 months. Miles are only worth 1 cent each and there are no transfer partners, and Discover acceptance is weaker outside the United States.
Verdict
Pros & cons
Pros
- Unlimited 1.5x miles on every purchase
- Discover matches all first-year miles with no cap or minimum spend
- No annual fee and no foreign transaction fee
- 0% intro APR for 15 months on purchases and balance transfers
Cons
- Miles are fixed at 1 cent each with no airline or hotel transfer partners
- Discover acceptance is limited in many countries
- No travel insurance or lounge benefits
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| All other purchases | 1.5x miles | Unlimited 1.5x miles on travel purchases and all everyday purchases. |
Benefits
Key benefits
Unlimited 1.5x miles
Every purchase earns 1.5 miles per dollar, with no categories to track and no cap.
First-year Discover Match
Discover matches all miles earned in the first 365 days, with no limit and no minimum spending.
Redeem for travel or cash
Miles can be taken as cash or as a statement credit against travel purchases such as airfare, hotels, rideshares, gas and restaurants.
No annual fee and no foreign transaction fee
Discover charges no annual fee and no foreign transaction fee on its credit cards.
$0 fraud liability
You are never responsible for unauthorized purchases on your Discover card.
Fit
Who this is best for
- First-year spenders who want the match instead of a fixed bonus
- People who want travel rewards without an annual fee
- Simple flat-rate earning with no categories to track
FAQ
Frequently asked questions
What is the Discover it Miles welcome bonus?
Discover Match: We'll match all the miles you've earned on your credit card from the day your new account is approved through your first 365 days and add it to your rewards account within two billing periods. There is no limit to how much we'll match. No purchase minimums.
Does the Discover it Miles charge an annual fee?
No. The Discover it Miles has a $0 annual fee.
Does the Discover it Miles have a foreign transaction fee?
No. The Discover it Miles charges no foreign transaction fee, so it works well for international purchases.
Does the Discover it Miles offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 15 months on purchases. The ongoing purchase APR is 17.49% to 26.49% variable.
Who is the Discover it Miles best for?
First-year spenders who want the match instead of a fixed bonus. People who want travel rewards without an annual fee. Simple flat-rate earning with no categories to track.
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