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  Discover it Miles Travel Credit Card

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
Purchase APR  (Variable APR) 11.99% - 22.99%
Balance Transfer APR  (Variable APR) 11.99% - 22.99%
Credit Score Range 700 - 850
Annual Fee $0

Discover it Miles Travel Credit Card Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 14 months.
  • Competitive APRs. Discover it Miles Travel Credit Card has a variable purchase APR that ranges from 11.99% up to 22.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. Discover it Miles Travel Credit Card charges a fee of 5% on balance transfers. After the introductory period, the fee is 5%. For example, a balance of $1,000 could cost $50 in transfer fees.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Discover it Miles Travel Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 10.99%.
  • 0% APR on new purchases during the first 14 months.
  • No annual fee.
  • Free access to your credit score.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Discover it Miles Travel Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a 5% balance transfer fee. After the introductory period, the fee is 5% .
Discover it Miles Travel Credit Card FAQ

Does Discover it Miles Travel Credit Card have a cash back or rewards program?

Discover it Miles Travel Credit Card is a travel rewards card.

Discover it Miles Travel Credit Card Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A

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

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

What are the Discover it Miles Travel Credit Card benefits?

It provides the following benefits:

  • Free Credit Score
  • Zero fraud liability
  • No blackout dates when redeeming miles
  • 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 11.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 11.99% up to 22.99%. It also has a variable cash advance APR of 24.99% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Discover it Miles Travel Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 10.99% for a period of up to 14 months.

Discover it Miles Travel Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 5%
Balance Transfer Introductory APR 10.99%
Balance Transfer Intro APR Period 14 months
Balance Transfer APR 11.99% - 22.99%
Balance Transfer Fee % 5%

Does Discover it Miles Travel Credit Card have an intro APR offer on new purchases?

Discover it Miles Travel Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 14 months

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

What are the fees for Discover it Miles Travel Credit Card?

The following fees apply:

  • There is no overlimit fee
Discover it Miles Travel Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $40
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Discover it Miles Travel Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Discover it Miles Travel Credit Card?

The Discover it Miles Travel Credit Card customer service number is (800) 347-2683.

What is the support contact email for Discover it Miles Travel Credit Card?

The support contact email for Discover it Miles Travel Credit Card is info@discover.com.

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

Yes, 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 may help improve your credit.

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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  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

Every Purchase (Points) Earn unlimited 1.5x Miles for every dollar spent on all purchases.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 14 months
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $0.50
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
  • Innovis
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
No Reward Expiration Period
No Blackout Dates
Rewards Categories
  • 1.5x Miles on Every Purchase
Cash Advance APR (Variable APR) 24.99%
Balance Computation daily balance (including new purchases).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 11.99% - 22.99%
Balance Transfer Fee % After Intro Period 5%
Balance Transfer Introductory APR (Variable APR) 10.99%
Balance Transfer Intro APR Period (Variable APR) 14 months
Balance Transfer APR (Variable APR) 11.99% - 22.99%
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Low Interest
  • Travel
  • Bonus Offers
  • Zero Percent
Card Network Discover

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