Discover It® Miles Card

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.

Discover it Miles

Our Rating

4.3/5.0

Welcome Offer

None

Annual Fee

$0

0% Intro on Purchases

15

Reward Rate

1.5%

0% Intro on Balance Transfers

15

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsFree credit score access
Travel PerksNone

Rewards

1.5x miles
All eligible purchases
Earn 1.5 miles on every purchase

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee$0
Regular APR17.24% to 28.24% (V) APR
Balance Transfers0% Intro APR for 15 months on balance transfers, then 17.24% to 28.24%(V) APR after that.
Balance Transfer Intro FeeIntro 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 FeeIntro 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.
Purchases0% 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 StatusDateCredit ScoreBureauCredit Limit
Approved09/01/2023
786
Experian
$15,000
Approved05/02/2023
684
Equifax
$2,000
Approved05/02/2023
735
TransUnion
$2,000
Approved05/02/2023
736
Experian
$2,000

Pros & Cons

Pros

  • 1.5 miles back on every dollar you spend
  • No annual fee
  • Redeem miles for cash
  • 0% APR for the first 14 months

Cons

  • 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
Wells Fargo Active Cash® Card

Rating

4.9

Rewards Range

2%

Annual Fee

$0

Chase Freedom Unlimited®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

Rating

4.9

Rewards Range

1x - 5x points

Annual Fee

$95

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