Discover It® Miles Card

May 26, 2021 by Rob Berger

The Discover It® Miles Card is a 1.5x rewards card. It offers 1.5 miles for every dollar you spend, double miles the first year, and no annual fee. Points can be redeemed for travel or cash.

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Our Rating
4.3/5.0

Welcome Bonus
None

Annual Fee
$0

0% on Purchases
14 Months

Rewards Rate
1.5 %

0% on Balance Transfers
None

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

Allcards Rating: /5.0

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While credit card issuers do not publish the criteria for approval, we collect publicly available data on credit scores for those who have been either approved or denied for a credit card.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)

New Chase Credit Card Offer: Earn 100,000 Chase Ultimate Rewards points after you spend $4,000 on purchases with the Chase Sapphire Preferred in the first 3 months. Points are worth $1,250 in travel when you redeem through Chase Ultimate Rewards. Get details here.

About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.