Earn 1.5x miles on all purchases.Lower base earn rate compared to other travel-focused cards.
Double miles earned in the first year.Limited rewards maximization on specific travel categories.
Redeem points for travel or cash.No travel transfer partners.
Simple and straightforward process for earning miles with no bonus categories to track.No elite travel benefits, such as airport lounge access, free ATM withdrawals, primary car rental insurance, or general travel insurance with the Discover it® Miles card.
No annual fee.
No blackout dates or expiration on miles.

Hidden perks

A great benefit to this card is that it includes superstores like Target in their rotating categories. Many cash back cards omit places like Target, Walmart, and wholesale stores from earning cash back, so this is a huge plus.

Comparing Discover it Miles with similar cards

Discover it® Miles

Apply now with Discoverlock-icon
Reward rate1.50%
Reward details1.5X Miles on every dollar of every purchase
Intro Bonus:Equal to the cashback you earn in first year Annual fee$0
Regular APR16.24% - 27.24%
Read full review

Capital One Venture X Rewards

Apply now with Capital Onelock-icon
Reward rate2x - 10x
Reward detailsYou will earn 10 miles per dollar on hotels and rental cars and 5 miles per dollar on flights booked through Capital One Travel using this Rewards card account, and 2 miles per dollar on all other purchases.
Intro Bonus:75,000 Miles Annual fee$395
Regular APR21.24% - 28.24%

Chase Sapphire Reserve®

Apply now with Chaselock-icon
Reward rate1x - 10x
Reward detailsEarn 5x total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually. Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually. Earn 3x points on other travel worldwide after the first $300 is spent on travel purchases annually. Earn 10x total points on Chase Dining purchases with Ultimate Rewards®. Earn 3x points on other dining at restaurants, including eligible delivery services, takeout and dining out. Plus, earn 1 point per dollar spent on all other purchases.
Intro Bonus:60,000 Miles Annual fee$550
Regular APR22.24% - 29.24%

Beyond the basics

Balance transfer intro APR For the first 15 months of your Discover it® Miles card, 0% APR on balance transfers – after that period, then regular APR applies.
Cash advance APR 25.49% -27.49% based on creditworthiness.
Foreign transaction fees None
Loan APR None
Late payment fee Late payments are subject to a penalty of up to $40, which is a standard penalty for missed payments across most Discover cards.
Penalty APR 27.49% APR.
Credit score required 670+ (Good – Excellent)

Other Offers

  • Travel accident insuranceIn addition to purchase protection and a free FICO credit report, travelers will love certain perk this card can offer. The card offers travel accident insurance which provides coverage for accidental death or dismemberment while traveling on a common carrier, like a plane or train. It offers basic protection for unexpected situations.
  • Rental car damage waiverOptional coverage to waive collision damage liability on rental cars, excluding theft.

What we like about this card

We love how Discover doubles your miles in the first year, granting you a generous boost to jumpstart your travel fund. And a card that has no annual fee is always great by us, as it allows users to keep more of their money for actual adventures. We also love this card for occasional travelers who want flexible redemption options; from travel to cash back, it’s easy to choose what aligns with your needs.

Drawbacks and considerations

That being said, we don’t love this card for those who travel very frequently. There’s a lower base earn rate than some travel cards, so those who hit the road on a regular basis should consider other options if maximizing rewards on specific travel categories is your priority. There are also no travel transfer partners, which provides limited redemption options compared to cards with airline or hotel partnerships. Additionally, travelers won’t be getting any elite travel benefits like airport lounge access, which is a necessity for those who find themselves at the airport often.

How to decide if this card is right for you

Choosing a credit card that aligns with your financial needs and lifestyle requires careful consideration. The Discover it® Miles credit card is designed to cater to individuals who value travel rewards and want a straightforward, flexible rewards program. Here are key factors to help you decide if the Discover It Miles credit card is right for you

Rewards structure

Evaluate the rewards system to determine if it suits your spending habits. The Discover It Miles card offers unlimited 1.5x miles on every purchase, providing simplicity and consistency.

Travel benefits

Consider the travel perks offered, such as the absence of foreign transaction fees. If you frequently travel internationally, a card without foreign transaction fees can save you money on each transaction.

Sign-up bonus

Check for any sign-up bonuses available. Many credit cards offer welcome bonuses, and Discover It Miles may have promotions that align with your preferences.

Annual fee

Determine whether you prefer a credit card with no annual fee. The Discover It Miles card does not have an annual fee, making it a cost-effective option for those who want to avoid additional charges.

Redemption flexibility

Explore the flexibility of miles redemption. Discover It Miles allows you to redeem miles for statement credits on travel-related purchases, providing versatility in how you use your rewards.

APR and introductory periods

Examine the Annual Percentage Rate (APR) and any introductory 0% APR periods for balance transfers or purchases. This is crucial if you plan to carry a balance or transfer existing balances.

Credit score requirements

Check the credit score requirements for approval. Ensure your credit profile aligns with the card's criteria to increase the likelihood of approval.

Customer service and cardholder reviews

Check the credit score requirements for approval. Ensure your credit profile aligns with the card's criteria to increase the likelihood of approval.

Budget and spending habits

Reflect on your budget and spending patterns. Ensure that the credit limit and features offered by the Discover It Miles card align with your financial habits and goals.

Found a prefect pair

Pair your Discover it Mileswith Citi® Double Cash Card

Citi® Double Cash Card

The Citi Double Cash Card is a cashback card that effectively provides 2% back on all purchases (1% when you buy, 1% when you pay). Pairing it with the Discover It Miles card allows you to earn cash back on expenses that may not earn travel miles, providing versatility in rewards.


Credello’s credit card reviews aim to provide readers with clear and unbiased information to help them choose the right credit card that aligns with their financial goals and needs. Our methodology emphasizes transparency, disclosure of any potential biases, and regular updates to ensure the information remains relevant and accurate for readers.The methodology used to review the best Wells Fargo Credit Cards relied on a number of factors, with the most prominent of those being:

  • Assess the interest rates charged on outstanding balances.
  • Evaluate the cost of owning the credit card, including any annual fees.
  • Examine rewards programs, cashback offers, travel perks, and other cardholder benefits.
  • Analyze introductory APR, balance transfer offers, and sign-up bonuses.
  • Consider the card’s credit limit and its suitability for different financial needs.
  • Review late fees, foreign transaction fees, and other charges.
  • Determine the credit score needed to qualify for the card.
  • Research the quality and accessibility of customer support.
  • Assess security measures such as fraud protection and chip technology.

The product information provided here is based on research conducted up to a specific date and may have changed. For the latest and most accurate information, we recommend you to visit the respective card’s website before proceeding.

Why Credello?
At Credello, transparency and objectivity are the cornerstones of our credit card reviews. We believe in empowering you to make informed financial decisions, free from any bias or influence from credit card issuers. We go beyond the surface, dissecting each card's features and rewards programs through the lens of your spending habits and financial goals. Whether you're a travel enthusiast, a cashback seeker, or a credit-building novice, we tailor our reviews to resonate with your unique needs.


You earn 1.5 miles for every dollar spent on all purchases. There are no bonus categories or blackout dates, so you can rack up miles on everything from groceries to gas to online shopping.

No, your Discover it® Miles never expire, so you can use them at your own pace.

Discover will double all the miles you earn in your first year (up to $60,000 in spending) within 5-7 business days after your account anniversary.

You have several options:

1. Statement credit for travel purchases – Use your miles to get statement credits for past or future travel expenses like flights, hotels, car rentals, and more.

2. Cash back – Get your miles deposited directly into your bank account.

3. Gift cards – Choose from a variety of gift cards for popular retailers and restaurants.

4. and PayPal purchases – Pay for eligible purchases on and PayPal with your Discover it® Miles.

You can redeem as few as 100 miles, which is equal to $1.

No, the Discover it® Miles card has no annual fee.

Good to excellent credit (generally 670+ score) is recommended for approval.

Check out popular travel cards

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