Discover it Miles Credit Card Review [2021]: Simple Rewards, Unlimited Miles

Score 1.5X miles per dollar spent with no limits, and Discover will match all miles you earned at the end of your first year.
Last updated Apr 30, 2021 | By Christy Rakoczy

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If you're looking for a simple travel credit card with no annual fee and the chance to earn 1.5X miles per dollar on all purchases, the Discover it Miles is a great option. This Discover credit card comes with a 0% introductory APR (annual percentage rate), an easy-to-understand rewards program, and other cardholder benefits you're sure to enjoy.

While you won't get some of the special travel-specific perks that more expensive travel cards provide, such as airline lounge access, the Discover it Miles Credit Card offers plenty of perks that make it worth a look.

Read on to learn how the Discover it Miles Credit Card works and what benefits to expect.

Earn 2 Times the Miles in Your 1st Year

Discover it Miles

Discover it Miles

Discover it Miles

Benefits

  • 1.5X Miles on all purchases
  • 0% intro APR on purchases for first 14 months
  • Mile matching for the first year
  • No foreign transaction fees

Drawbacks

  • No bonus categories
  • No luxury travel perks

In this Discover it Miles review

Who should get the Discover it Miles Credit Card?

The Discover it Miles Credit Card is a good choice for frequent travelers if you travel often enough that a miles credit card is worth it — but not frequently enough to offset the cost of a high annual fee.

With the Discover it Miles Credit Card, you won't get bonus rewards for specific types of spending. However, you do get 1.5X miles per dollar on all purchases. That makes it a good choice if your spending tends to be all over the map instead of concentrated in a particular credit card rewards category.

This card is also ideal if you’re about to make some big new purchases. That's because Discover will match the miles you earn in the first year as a new cardmember, so major purchases will yield lots of miles. The Discover it Miles Credit Card also offers a 0% introductory APR for 14 months on purchases, so you can pay off your balance over time without incurring interest. With all that in mind, the unlimited bonus that happens at the end of the first year could be a lucrative one.

Card basics

Card type Travel
Card issuer Discover
Annual fee $0
Intro bonus Discover will match the miles you earn in the first year as a new cardmember
Reward rate 1.5X miles per dollar on all purchases
Recommended credit score Excellent, Good
Intro APR 0% APR for 14 months on purchases
Foreign transaction fee None

Discover it Miles benefits and perks

  • Generous welcome offer: Discover will match the miles you earn in the first year as a new cardmember. This miles match is automatic, and there are no limits. So as a new cardholder, if you earn 35,000 miles, Discover will provide another 35,000 miles — giving you $700 toward travel.
  • Easy rewards: With the rewards rate of 1.5X miles per dollar on all purchases, it's very simple to amass some miles with this card. You don't have to worry about tracking rotating categories, and you earn whether you're spending at a gas station or a grocery store.
  • No blackout dates: You can redeem miles for travel purchases at any time with no restrictions. This includes redeeming for airline tickets, hotels, or car rentals.
  • 0% Introductory APR on purchases: New cardmembers get a 0% introductory APR on purchases for 14 months after account opening. After that promo interest rate ends, your balance will be subject to the regular APR. 
  • No fees: Not only is there a $0 annual fee, but your first late fee is waived if you pay late. There are also no fees for paying your bill by phone and no over-the-limit fees charged — your card will just be declined if you exceed your credit limit.
  • Freeze it: This feature allows you easily access the Discover mobile app or website and freeze the use of your card for new purchases, cash advances or balance transfers.

Drawbacks to this card

  • No travel perks: Unlike more premium travel rewards cards or airline specific cards, the Discover it Miles does not offer any luxury perks like status, lounge access, or free checked luggage.
  • No bonus categories: While it's easy to rack up miles with this card due to the unlimited rewards rate of 1.5X miles, there are also no opportunities to earn bonus points in special categories.

Earning & redeeming miles

Potential earnings in years one and two

Here's a look how your miles can add up with the Discover it Miles Credit Card. To calculate these values, we used a point valuation of 1 cent per mile.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $1005.00

Year two earnings: $502.50

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model which takes a look at points earned via spending, the welcome bonus, and the annual fee.

Best ways to earn

Unlike many other credit cards, you don't have to spend in specific purchase categories to earn the most miles. That's because the Discover it Miles Credit Card provides 1.5X miles for every single purchase with no limits.

Discover will match the miles you earn in the first year as a new cardmember. So your best bet to get the most possible miles is to open this card at a time when you're planning on spending some money.

Maximizing your redemptions

Discover it Miles can be redeemed for travel purchases, purchases on Amazon.com, or as cash back. No matter how you redeem your miles, they’re worth around one cent each. Since you don't get any more bang for your buck by redeeming against a specific category, you can simply redeem on anything you wish.

There’s no minimum number of miles required to redeem either, so you can use your miles as soon as you earn them. You can also let them build up and use them to finance a family vacation or a big purchase. This makes for very flexible redemptions.

Discover it Miles FAQs

Is the Discover it Miles a good credit card?

The Discover it Miles Card is a good option if you want a simple travel credit card that you can use to earn an unlimited 1.5X miles per dollar on all spending. If you'd prefer a card that offers more travel-specific benefits — such as access to airline lounge access, statement credits for purchases on airlines, or extra rewards for travel spending — there are others that would be a better fit. However, be aware that some cards with the most generous travel rewards charge high annual fees, while the Discover it Miles Card has a $0 annual fee. If you like the idea of the Discover it Miles but prefer a cashback card, then you might want to check out the Discover it Cash Back card instead.

How much are Discover it Miles worth?

Discover it Miles are worth one cent per mile, regardless of how they’re redeemed.

What can you do with your Discover it Miles?

You have a number of redemption options available to you with this card. You can use miles earned with your Discover it Miles Credit Card to buy airfare, pay for hotel rooms, and even rent a car. You can also use the miles on Amazon.com to make purchases or you can redeem them for cash back.

Do Discover it Miles expire?

Discover it Miles don’t expire. You can use your miles whenever you like with no worry about blackout or expiration dates.

Can I convert my Discover card to a Discover it card?

It may be possible to convert your Discover card to a Discover it card if you qualify for the Discover it. Call 800-DISCOVER to ask whether you can change your current card to the Discover it Miles or another "it" card of your choosing.


Other cards to consider

If you aren't sure if the Discover it Miles Credit Card is the best credit card for you, there are other options to consider from other credit card issuers. You may want to look at the following credit card offers.

If you're okay with a small annual fee and you're looking for a more powerful travel rewards card, then the Chase Sapphire Preferred might be the better choice for you. The Chase Sapphire Preferred is a Visa card that offers a generous sign-up bonus that can help kickstart your travel plans. Earn 80,000 points after spending $4,000 on purchases in the first 3 months (plus earn up to $50 in statement credits on grocery store purchases in the first year). The Sapphire Preferred also offers travel insurance coverage and DoorDash benefits, with an annual fee of $95.

The Capital One Venture Rewards Credit Card provides the chance to earn miles for spending, just as the Discover it Miles Card does. And while there’s no miles match, new cardmembers earn 100,000 bonus miles after spending $20,000 in the first 12 months (or earn 50,000 miles after spending $3,000 in the first 3 months). This Visa card does charge a $95 annual fee, so it's more expensive than the Discover it Miles Card. But the annual fee buys you extra cardholder perks, including a $100 credit for Global Entry or TSA PreCheck. It also offers extended warranty coverage.

Earn 2 Times the Miles in Your 1st Year

Discover it Miles

Discover it Miles

Discover it Miles

Special Offer

Discover will match the miles you earn in the first year as a new cardmember

See how these cards compare:

Chase Sapphire Preferred
Chase Sapphire Preferred
  • 80,000 point sign-up bonus
  • Up to $50 statement credit for grocery store purchases
  • 2X points on eligible dining and travel purchases
  • 25% more value when redeeming rewards for travel through Chase Ultimate Rewards
  • Premium travel protection benefits
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
  • 100,000 bonus mile welcome offer
  • 2X miles on every purchase, every day
  • Up to $100 Global Entry or TSA PreCheck fee credit
  • No foreign transaction fees

Author Details

Christy Rakoczy Christy Rakoczy has a Juris Doctorate from UCLA Law School with a focus in Business Law, and a Certificate in Business Marketing with an English Degree from The University of Rochester. As a full-time personal finance writer, she writes about all things money-related but her special areas of focus are credit cards, personal loans, student loans, mortgages, smart debt payoff strategies, and retirement and Social Security. Her work has been featured by USA Today, MSN Money, CNN Money and more, and you can learn more at her LinkedIn profile.