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$0
Annual Fee
35,000
Cash back dollars · Welcome Bonus
Annual Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
35,000
Cash back dollars
Benefits & Perks
You're never responsible for fraudulent charges made with your lost or stolen card
Never responsible for unauthorized purchases. Discover monitors every transaction and alerts you of suspicious activity.
Program & Transfers
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #119 of 119 |
The Discover It Miles card offers simple earning and redemption but delivers poor value for travel rewards compared to competitors with better sign-up bonuses and more valuable redemption options.
The Discover It Miles card offers a simple way to earn and redeem miles. Unfortunately, it's a poor option for a rewards card when you're trying to earn miles for free travel. The biggest advantage of travel rewards credit cards is earning a high sign-up bonus after opening a new card and meeting a specific spending requirement. This approach is the most effective way to accumulate points for travel redemptions.
Details & Terms
| Rule | Details |
|---|---|
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Discover 1/12 | You can only get one Discover card every 12 months |
| Purchase APR | 17.49%–26.49% (Variable) |
| Cash Advance APR | 26.49% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
$0
Annual Fee
35,000
Cash back dollars · Welcome Bonus
Annual Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
35,000
Cash back dollars
Benefits & Perks
You're never responsible for fraudulent charges made with your lost or stolen card
Never responsible for unauthorized purchases. Discover monitors every transaction and alerts you of suspicious activity.
Program & Transfers
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #119 of 119 |
The Discover It Miles card offers simple earning and redemption but delivers poor value for travel rewards compared to competitors with better sign-up bonuses and more valuable redemption options.
The Discover It Miles card offers a simple way to earn and redeem miles. Unfortunately, it's a poor option for a rewards card when you're trying to earn miles for free travel. The biggest advantage of travel rewards credit cards is earning a high sign-up bonus after opening a new card and meeting a specific spending requirement. This approach is the most effective way to accumulate points for travel redemptions.
Details & Terms
| Rule | Details |
|---|---|
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Discover 1/12 | You can only get one Discover card every 12 months |
| Purchase APR | 17.49%–26.49% (Variable) |
| Cash Advance APR | 26.49% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
$0
Annual Fee
35,000
Cash back dollars · Welcome Bonus
Annual Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
35,000
Cash back dollars
Benefits & Perks
You're never responsible for fraudulent charges made with your lost or stolen card
Never responsible for unauthorized purchases. Discover monitors every transaction and alerts you of suspicious activity.
Program & Transfers
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #119 of 119 |
The Discover It Miles card offers simple earning and redemption but delivers poor value for travel rewards compared to competitors with better sign-up bonuses and more valuable redemption options.
The Discover It Miles card offers a simple way to earn and redeem miles. Unfortunately, it's a poor option for a rewards card when you're trying to earn miles for free travel. The biggest advantage of travel rewards credit cards is earning a high sign-up bonus after opening a new card and meeting a specific spending requirement. This approach is the most effective way to accumulate points for travel redemptions.
Details & Terms
| Rule | Details |
|---|---|
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Discover 1/12 | You can only get one Discover card every 12 months |
| Purchase APR | 17.49%–26.49% (Variable) |
| Cash Advance APR | 26.49% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Track your credit score for free every month with detailed explanations of what impacts your score
Freeze or unfreeze your card instantly in the app—perfect when your card is lost or you're away from home
Get your FICO Credit Score free on monthly statements and online, updated monthly with no credit impact.
Freeze your account instantly to block new purchases if your card is lost. Unfreeze just as quickly when found.
Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.
This card disguises its sign-up bonus as a points match for the first year. For newcomers to travel rewards, this might initially seem attractive — earn 30,000 points and receive a match to 60,000 points at year-end. However, you would need to spend $20,000 on the card to earn those 30,000 points (due to the 1.5x points multiplier). When comparing to other cards on the market, you'll find you can spend significantly less to earn the same amount of points elsewhere.
The Discover It Miles card provides simplicity for beginners in the points and miles hobby. It offers a flat 1.5x mile multiplier on all purchases with no limit, making it straightforward to earn miles without complicated strategies. There is no annual fee to consider. Redemption is also uncomplicated, though you'll always receive a 1:1 redemption ratio regardless of how you choose to use your miles.
While there isn't a traditional sign-up bonus, Discover matches all miles accumulated during your first year. However, this requires substantial spending to gain meaningful value, making it less advantageous compared to opening a new card with a high sign-up bonus for a better return on investment.
You can redeem miles as a credit to your account, as cash via electronic deposit, or as credit for travel purchases made within the past 180 days. "Travel purchase" encompasses many categories including airfare, hotels, car rentals, travel agents, transportation, restaurants, and gas stations. Though you won't find exceptional value with the 1:1 ratio, you also won't lose value.
The exceptions where this card might not be good for you:
- You want to transfer points and miles to airlines and/or hotels to find opportunities that maximize your points' value
- There are better category multipliers available, and you're willing to put in the effort to track spending and maximize those benefits
**The Discover It Miles program is straightforward and easy, but the lack of significant welcome offers makes this a poor program to invest in**
- Discover does not offer transferable miles either, making the program even less valuable
- You can only open one Discover card in 12 months, which significantly limits your ability to collect miles
- The best way to use Discover It Miles for travel is by using them to cover any travel purchase made in the last 180 days
Several other Discover Rewards credit cards exist in the market, but they are all cash back products. The Discover It Cash Back card offers the same dollar-for-dollar match at the end of the first year as the Discover It Miles card. It also provides 5% cash back on everyday purchases at different places each quarter. The Discover It Chrome card is similar to the Cash Back card but offers 2% cash back at gas stations and restaurants, with 1% on all other purchases. It features the same matching bonus as the other two cards. Neither has an annual fee, and both are cash back cards, so you cannot redeem rewards for travel-related purchases as you can with the Discover It Miles card.
For travel redemption options, you will need to look beyond the Discover family of cards. Capital One offers a similar feature where you can redeem miles for travel-related purchases to effectively “cancel them out.” Consider:
- **Capital One VentureOne:** A no-fee option with flexible travel redemptions.
- **Capital One Venture Rewards:** A $95 annual fee, but an attractive 75,000-mile welcome offer (with past offers up to 90,000 miles) after $4,000 in spending.
To receive an equivalent bonus with the Discover card’s first-year matching benefit, you would need to spend $25,000. Combined with 2x miles on all purchases versus Discover’s 1.5x miles, the Venture provides stronger value, along with additional benefits not offered by the Discover card.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
| — |
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| View source |
| — | — | View source |
Track your credit score for free every month with detailed explanations of what impacts your score
Freeze or unfreeze your card instantly in the app—perfect when your card is lost or you're away from home
Get your FICO Credit Score free on monthly statements and online, updated monthly with no credit impact.
Freeze your account instantly to block new purchases if your card is lost. Unfreeze just as quickly when found.
Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.
This card disguises its sign-up bonus as a points match for the first year. For newcomers to travel rewards, this might initially seem attractive — earn 30,000 points and receive a match to 60,000 points at year-end. However, you would need to spend $20,000 on the card to earn those 30,000 points (due to the 1.5x points multiplier). When comparing to other cards on the market, you'll find you can spend significantly less to earn the same amount of points elsewhere.
The Discover It Miles card provides simplicity for beginners in the points and miles hobby. It offers a flat 1.5x mile multiplier on all purchases with no limit, making it straightforward to earn miles without complicated strategies. There is no annual fee to consider. Redemption is also uncomplicated, though you'll always receive a 1:1 redemption ratio regardless of how you choose to use your miles.
While there isn't a traditional sign-up bonus, Discover matches all miles accumulated during your first year. However, this requires substantial spending to gain meaningful value, making it less advantageous compared to opening a new card with a high sign-up bonus for a better return on investment.
You can redeem miles as a credit to your account, as cash via electronic deposit, or as credit for travel purchases made within the past 180 days. "Travel purchase" encompasses many categories including airfare, hotels, car rentals, travel agents, transportation, restaurants, and gas stations. Though you won't find exceptional value with the 1:1 ratio, you also won't lose value.
The exceptions where this card might not be good for you:
- You want to transfer points and miles to airlines and/or hotels to find opportunities that maximize your points' value
- There are better category multipliers available, and you're willing to put in the effort to track spending and maximize those benefits
**The Discover It Miles program is straightforward and easy, but the lack of significant welcome offers makes this a poor program to invest in**
- Discover does not offer transferable miles either, making the program even less valuable
- You can only open one Discover card in 12 months, which significantly limits your ability to collect miles
- The best way to use Discover It Miles for travel is by using them to cover any travel purchase made in the last 180 days
Several other Discover Rewards credit cards exist in the market, but they are all cash back products. The Discover It Cash Back card offers the same dollar-for-dollar match at the end of the first year as the Discover It Miles card. It also provides 5% cash back on everyday purchases at different places each quarter. The Discover It Chrome card is similar to the Cash Back card but offers 2% cash back at gas stations and restaurants, with 1% on all other purchases. It features the same matching bonus as the other two cards. Neither has an annual fee, and both are cash back cards, so you cannot redeem rewards for travel-related purchases as you can with the Discover It Miles card.
For travel redemption options, you will need to look beyond the Discover family of cards. Capital One offers a similar feature where you can redeem miles for travel-related purchases to effectively “cancel them out.” Consider:
- **Capital One VentureOne:** A no-fee option with flexible travel redemptions.
- **Capital One Venture Rewards:** A $95 annual fee, but an attractive 75,000-mile welcome offer (with past offers up to 90,000 miles) after $4,000 in spending.
To receive an equivalent bonus with the Discover card’s first-year matching benefit, you would need to spend $25,000. Combined with 2x miles on all purchases versus Discover’s 1.5x miles, the Venture provides stronger value, along with additional benefits not offered by the Discover card.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
| — |
| — |
| View source |
| — | — | View source |
Track your credit score for free every month with detailed explanations of what impacts your score
Freeze or unfreeze your card instantly in the app—perfect when your card is lost or you're away from home
Get your FICO Credit Score free on monthly statements and online, updated monthly with no credit impact.
Freeze your account instantly to block new purchases if your card is lost. Unfreeze just as quickly when found.
Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.
This card disguises its sign-up bonus as a points match for the first year. For newcomers to travel rewards, this might initially seem attractive — earn 30,000 points and receive a match to 60,000 points at year-end. However, you would need to spend $20,000 on the card to earn those 30,000 points (due to the 1.5x points multiplier). When comparing to other cards on the market, you'll find you can spend significantly less to earn the same amount of points elsewhere.
The Discover It Miles card provides simplicity for beginners in the points and miles hobby. It offers a flat 1.5x mile multiplier on all purchases with no limit, making it straightforward to earn miles without complicated strategies. There is no annual fee to consider. Redemption is also uncomplicated, though you'll always receive a 1:1 redemption ratio regardless of how you choose to use your miles.
While there isn't a traditional sign-up bonus, Discover matches all miles accumulated during your first year. However, this requires substantial spending to gain meaningful value, making it less advantageous compared to opening a new card with a high sign-up bonus for a better return on investment.
You can redeem miles as a credit to your account, as cash via electronic deposit, or as credit for travel purchases made within the past 180 days. "Travel purchase" encompasses many categories including airfare, hotels, car rentals, travel agents, transportation, restaurants, and gas stations. Though you won't find exceptional value with the 1:1 ratio, you also won't lose value.
The exceptions where this card might not be good for you:
- You want to transfer points and miles to airlines and/or hotels to find opportunities that maximize your points' value
- There are better category multipliers available, and you're willing to put in the effort to track spending and maximize those benefits
**The Discover It Miles program is straightforward and easy, but the lack of significant welcome offers makes this a poor program to invest in**
- Discover does not offer transferable miles either, making the program even less valuable
- You can only open one Discover card in 12 months, which significantly limits your ability to collect miles
- The best way to use Discover It Miles for travel is by using them to cover any travel purchase made in the last 180 days
Several other Discover Rewards credit cards exist in the market, but they are all cash back products. The Discover It Cash Back card offers the same dollar-for-dollar match at the end of the first year as the Discover It Miles card. It also provides 5% cash back on everyday purchases at different places each quarter. The Discover It Chrome card is similar to the Cash Back card but offers 2% cash back at gas stations and restaurants, with 1% on all other purchases. It features the same matching bonus as the other two cards. Neither has an annual fee, and both are cash back cards, so you cannot redeem rewards for travel-related purchases as you can with the Discover It Miles card.
For travel redemption options, you will need to look beyond the Discover family of cards. Capital One offers a similar feature where you can redeem miles for travel-related purchases to effectively “cancel them out.” Consider:
- **Capital One VentureOne:** A no-fee option with flexible travel redemptions.
- **Capital One Venture Rewards:** A $95 annual fee, but an attractive 75,000-mile welcome offer (with past offers up to 90,000 miles) after $4,000 in spending.
To receive an equivalent bonus with the Discover card’s first-year matching benefit, you would need to spend $25,000. Combined with 2x miles on all purchases versus Discover’s 1.5x miles, the Venture provides stronger value, along with additional benefits not offered by the Discover card.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
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| View source |
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