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Discover it Miles Travel Credit Card

in Personal Credit Cards

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Discover it Miles Travel Credit Card

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in Personal Credit Cards

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Overview

Who is Discover it Miles Travel Credit Card Designed For?

The Discover it Miles Travel 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 Travel Credit Card?

The Discover it Miles Travel Credit Card has a variable APR ranging from 13.49% APR to 24.49% 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 Travel 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 Travel Credit Card Rewards Program Like?

The selling point of Discover it Miles Travel Credit Card is its simplicity. Get 1.5 reward miles for every dollar you get. No revolving categories or other gimmicks to consider. Redeeming your miles 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 miles is worth $10. You can use your miles 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 Travel Credit Card's Signup Bonus?

Discover it Miles will match all the reward miles you earned within the first year as a signup bonus. For example, if you earn 10,000 reward miles within your first year, Discover will reward you with an additional 10,000 miles. 

Does Discover it Miles Travel 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 Travel Credit Card Better Than Other Credit Cards?

Discover it Miles Travel 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 miles 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 no 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 miles on their travel purchases. Not bad for a card that doesn’t charge an annual fee or a penalty rate.

 

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Available in 50 States and Washington, DC
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period
25
Annual Fee
$0
No Annual Fee
No Foreign Transaction Fee
Late Payment Penalty
$37
Returned Payment Fee
$37
Minimum Interest Charge
$0.50
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range
700 - 850
850 300 700
Minimum Age
18
Customer Type
Personal
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • ID Theft Protection
Fraud Liability
Free FICO Score
Rewards Categories
  • Every Purchase
No Blackout Dates
Every Purchase
1.5x
No Reward Expiration Period
Cash Advance APR
(Variable APR)
Starting at
26.49%
Purchases APR
(Variable APR)
13.49% - 24.49%
0% 29%
Balance Computation
daily balance (including new purchases)
Introductory Rate
0%
Balance Transfer APR
(Variable APR)
13.49% - 24.49%
8% 29%
Transfer Fee
3%
Transfer Fee
3%
Introductory Rate
10.99%
Intro APR period (months)
14

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