Discover it Miles Credit Card Review: 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 Jan 30, 2020 | 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 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

Who should get this card?

The Discover it Miles Credit Card is a good choice 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 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.

Card basics

Annual Fee $0
Intro Bonus Discover will match the miles you earn in the first year as a new cardmember
Recommended Credit Score Excellent, Good
Intro APR 0% APR for 14 months
Foreign Transaction Fee None

Top card benefits

  • 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 if you earn 35,000 miles, Discover will provide another 35,000 miles — giving you $700 towards travel!
  • No blackout dates: You can redeem miles for travel purchases at any time with no restrictions. This includes redeeming for airline tickets, hotels, or rental cars.
  • 0% Introductory APR on purchases: New cardmembers get a 0% introductory APR on purchases for 14 months.
  • Free FICO Score: You'll receive your score on your monthly statement, or you can check it on your online account or the Discover mobile app.
  • 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.

Earning & redeeming

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.

Common questions

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.

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 can use miles earned with your Discover it Miles Credit Card to buy plane tickets, pay for hotel stays, and even rent a car. You can also use the miles on Amazon.com to make purchases or 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 choice for you, there are a few other options to consider. You may want to look at the following cards:

  • Chase Freedom Unlimited Credit Card: This card provides a flat 1.5% cash back, similar to the Discover it Miles. Though the Chase Freedom Unlimited Card offers cashback rewards, you can also use it to earn Chase Ultimate Rewards points which can be redeemed for travel. Chase doesn't offer a miles match as Discover does but instead lets new cardmembers earn a $200 cash back bonus after spending $500 in the first 3 months. Chase also offers 0% APR for 15 months from account opening, while the Discover it Miles card offers it for 14 months. But like Discover, the Chase Freedom Unlimited Credit Card has a $0 annual fee.
  • Capital One® Venture® Rewards Credit Card: The Capital One Venture Rewards Credit Card provides the chance to earn miles for spending, just as the Discover it Miles Card does. But it offers unlimited miles on instead of 1.5X miles from Discover. And while there’s no miles match, new cardmembers earn 50,000 bonus miles after spending $3,000 in the first 3 months. This 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.

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 Freedom Unlimited
Chase Freedom Unlimited
  • $200 sign-up bonus
  • 5% cash back grocery store purchases for the first year (up to $12k)
  • 1.5% unlimited cash back on all other purchases
  • No annual fee
  • 0% intro APR on purchases
Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
  • 50,000 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