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Discover it Miles Travel Credit Card

in Personal Credit Cards from Discover Bank

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Discover it Miles Travel Credit Card

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in Personal Credit Cards from Discover Bank

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 14.24% - 25.24%
Balance Transfer APR  (Variable APR) 14.24% - 25.24%
Credit Score Range 700 - 850

Discover it Miles Travel Credit Card Review

Discover it Miles Travel Credit Card is a rewards credit card issued by Discover Bank.  If you're wondering whether Discover it Miles Travel Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways

  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 10.99% for up to 14 months , which is longer than the average 0% APR period of 12 months.
  • Competitive APRs. Discover it Miles Travel Credit Card has a variable purchase APR of up to 25.24%.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 10.99%.
  • Earn rewards on every purchase.
  • Discover it Miles Travel Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Free access to your credit score.
  • Does not offer a signup bonus.

Is there a Discover it Miles Travel Credit Card cash back or rewards program?

Discover it Miles Travel Credit Card offers a rewards program to its customers.

Discover it Miles Travel Credit Card Rewards
Rewards rate (all purchases) 1.5%
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Discover it Miles Travel Credit Card have a signup bonus?

Discover it Miles Travel Credit Card doesn't offer a cash signup bonus.

Does Discover it Miles Travel Credit Card offer an annual loyalty bonus?

Discover it Miles Travel Credit Card doesn't offer a cash loyalty bonus.

What are the Discover it Miles Travel Credit Card benefits?

Discover it Miles Travel Credit Card provides the following benefits:

  • Free Credit Score
  • Zero fraud liability
  • No blackout dates when redeeming miles
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Discover it Miles Travel Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Discover it Miles Travel Credit Card has lower than average purchase APRs.

Discover it Miles Travel Credit Card has a variable purchase APR that ranges from 14.24% up to 25.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 25.24%. It also has a variable cash advance APR starting at 27.24% .

Does Discover it Miles Travel Credit Card have an introductory APR offer?

Yes, Discover it Miles Travel Credit Card offers an introductory APR rate on balance transfers of 10.99% for a period of up to 14 months.

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 14 months.

Discover it Miles Travel Credit Card Balance Transfers
Description
Balance Transfer APR 14.24% - 25.24%
Introductory Rate 10.99%
Intro APR period (months) 14
Discover it Miles Travel Credit Card Rates & Terms
Description
Balance Computation daily balance (including new purchases)
Purchase APR 14.24% - 25.24%
Credit Limit N/A
Penalty APR N/A
Cash Advance APR Starting at 27.24%
Introductory Rate 0%
Intro APR period (months) 14

What are the Discover it Miles Travel Credit Card fees?

The following fees apply to Discover it Miles Travel Credit Card:

Discover it Miles Travel Credit Card Fees
Fees Amount
Annual Fee $0
Balance Transfer Fee 3%
Returned Payment Fee $37
Late Payment Fee $37

Does Discover it Miles Travel Credit Card report your account activity to credit bureaus?

Discover it Miles Travel Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion
  • Innovis

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Discover it Miles Travel Credit Card

  • Visit the Discover it Miles Travel Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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

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

Annual Fee $0
No Annual Fee  
No Foreign Transaction Fee  
No Interest Grace Period for Late Payment 25
Balance Transfer Fee % 3%
Cash Advance Fee (%) Starting at 5%
Cash Advance Fee Minimum $10
Late Fee Amount $37
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $0.50
Returned Payment Fee $37
Customer Type Personal
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 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Card Network
  • Discover
Card Type
  • Rewards
  • Travel
  • Zero Percent
Credit Bureau Reporting
  • Equifax
  • Experian
  • Innovis
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
Fraud Liability  
Free FICO Score  
Bonus Rewards Discover will match all of the miles you've earned at the end of your first year, automatically.
No Blackout Dates  
No Reward Expiration Period  
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) Starting at 27.24%
Purchase APR (Variable APR) 14.24% - 25.24%
Balance Computation daily balance (including new purchases)
Introductory Rate 0%
Balance Transfer APR (Variable APR) 14.24% - 25.24%
Intro APR period 14
Introductory Rate 10.99%

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