Discover It® Miles Card

Snapshot

• 1.5 miles back on every dollar you spend
• For your first year Bonus Miles will match every mile you accumulate
• No annual fee
• Redeem miles for travel or cash
• No blackout dates
• Miles never expire
• 0% intro APR on purchases for 14 months

Editorial Review

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

Features and Benefits

• Free FICO Credit Score – Upon activating your account, you have the option of receiving a free copy of your credit score
• Freeze It® – Prevents account actions such as balance transfers, purchases, or cash advances
• Discover® Identity Alerts – Receive notifications if any of your personal information, such as a social security number, is found on the dark web
• Free Overnight Card Replacement – If you lose your card or it’s stolen, you will be sent a brand new card via overnight shipping
• $0 Fraud Liability – Any unauthorized purchases on your account you won’t be held responsible for
• 24/7 Customer Service – Discover provides its card holders round the clock help if the need occurs

Approval Odds

Credit card companies consider a number of factors when evaluating an application. These factors may include income, debt, existing credit cards and, of course, the applicant's credit score.

While credit card issuers do not publish the criteria for approval, we collect publicly available data on credit scores for those who have been either approved or denied for a credit card. Keep in mind that we cannot verify this information and an issuer's credit score requirements can change over time.

Approvals TU 654 EX 678 (08-19-2020 myFICO) EQ 743 TU 736 EX 706 (12-09-2018 myFICO) EX 748 TU 706 EQ 783 (07-22-2020 myFICO) Denied EX 576 EQ 600 TU 576 (08-05-2020 myFICO)