Who is Discover it Miles Credit Card Designed For?

The Discover it Miles Credit Card is designed for people with good credit (above 690) who want a generous travel rewards credit card without paying an annual fee. As well as getting a flat rate of 1.5 rewards on every dollar you spend, you also receive a signup bonus and useful perks, such as your FICO credit score and no foreign transaction fees.

This card also comes with a 14-month 0% APR introductory offer on purchases, which makes the Discover it Miles a card worth considering if you are planning a big trip and would like a few months to pay it off interest-free. Notice the 0% APR intro rate does not apply to balance transfers, which have a 3% transfer fee and an intro rate of 10.99% APR.

What are the Rates for the Discover it Miles Credit Card?

The Discover it Miles Credit Card has a variable APR ranging from 11.99% APR to 23.99% APR, which varies depending on your credit profile. There is no penalty rate for late payments.

What Are the Fees for Discover it Miles Credit Card?

Discover it Miles Credit Card doesn’t charge an annual fee, which is surprising considering all you get with it. There are no foreign transaction fees, but you will be charged up to $37 if you’re late on a payment. However, Discover will waive the fee the first time you’re late.

What Is Discover’s it Miles Credit Card Rewards Program Like?

The selling point of Discover’s it Miles Credit Card is its simplicity. Get 1.5 reward points for every dollar you get. No revolving categories or other gimmicks to consider. Redeeming your points is just as easy. No need to worry about blackout dates and airline loyalty. Every point is worth a penny, so a 1,000 reward points is worth $10. You can use your points to pay for travel purchases made with your card within the last 180 days. Travel purchases include airline tickets, hotel rooms, car rentals, cruises, tour operators, and vacation packages.

What about Discover it Miles Credit Card's Signup Bonus?

Discover it Miles will match all the rewards you receive within the first year as a signup bonus. If you earn 10,000 reward points ($100) within your first year, Discover will reward you with an additional $100. You can also earn a $75 statement credit after your first Amazon.com purchase within 3 months of your account opening.

Does Discover it Miles Credit Card Have Any Other Benefits?

Discover it Miles also provides free access to your FICO credit score and the Freeze it service, which allows you to temporarily cancel your credit card if you lose it or misplace it.

How Is Discover it Miles Credit Card Better Than Other Credit Cards?

Discover it Miles credit card is a smart choice for people who want a travel rewards card but don’t travel enough to justify paying the $65 to $500 in annual fees prime cards charge.

The rewards program is simple to use, and points can be redeemed for cash in any amount and at any time if you use the cash to pay for travel expenses. Unlike other cards, your rewards never expire, and there are not foreign transactions, which can save you a small fortune when your travel abroad.

The 14-month 0% APR intro rate on purchases make this a useful tool for people planning a dream vacation who want free financing and to earn reward points on their travel purchases. Not bad for a card that doesn’t charge an annual fee or a penalty rate.


  • Credit Score Range
    700 - 850
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Customer Type
  • Grace Period / Deferred Interest
  • Late Payment Penalty
  • Minimum Interest Charge
  • Returned Payment Fee
  • No Annual Fee
  • No Foreign Transaction Fee
  • Card Type
    • Travel
    • Rewards
  • 0% Introductory APR
  • Card Network
  • Fraud Liability
  • Free FICO Score
  • Air Miles
  • Rewards Categories
    Every Purchase
  • Signup Bonus
  • Balance Computation
    daily balance (including new purchases)
  • Purchases APR (variable)
    11.99% - 23.99%
  • Transfer Fee
  • Balance Transfer APR (variable)
    11.99% - 23.99%
  • Introductory Rate
  • Intro APR period (months)
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