Credit Cards » Credit Card Reviews » Discover It Miles Credit Card Review 2021
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Discover It Miles Credit Card Review 2021

If you’re an occasional traveler who likes a simple to remember rewards system, then this could be a good travel credit card choice for you with its flat rate 1.5 points per $1 spend. It’s also a good option if you want a low fee credit card.

We may receive compensation from companies that appear on this page. This may impact how and where products appear on a page (including, for example, the order in which they appear). It doesn’t affect our unbiased editors’ opinions. our opinions are our own.

In This Review..

The Discover It Miles credit card is a solid entry level option for the occasional traveler who is looking to earn rewards towards flights, hotels, and car rentals. It has a flat rate of rewards and a very simple redemption process. It is, however, best for cardholders with a credit score of more than 700, and it is the best option for people who travel a lot.

They offer an unlimited 1.5 miles for each dollar you spend on purchases. There are no specified purchases so, this applies to ALL, and another great benefit – there is no annual fee. Also, Discover will match your points earned in the first 12 months of opening an account.

If you frequently travel abroad, the card does not charge any foreign transaction fees, but it is important to note that it is not acceptable in all countries. 

Discover It Miles Card

On Discover Secure Website

Rewards Plan

Unlimited 1.5x Miles for every dollar spent on all purchases. Your rewards never expire.

Sign up Bonus

Match Bonus for the first 12 months

0% Intro

0% Intro APR for 14 months on purchases and balance transfers.




11.99% - 22.99%

Annual Fee


Balance Transfer Fee

5% or $10

Credit Requirements

Good - Excellent

When you sign up, discover will offer you an excellent sign-up bonus. Discover matches your first year miles automatically (for example: 10,000 miles becomes 20,000 miles). For example, if you earn 35,000 miles, Discover shall give you  35,000 miles as well , so you'll have 70,000 points in total. This is equivalent to $700 for travel, and the more you earn, the more you shall get.

Let’s take a closer look at the benefits and drawbacks of the Discover It Miles Card – and whether or not it’s right for your wallet… 

Card & Issuer Reputation

  • 4/5  on WalletHub customer reviews (+300 reviews): WalletHub customer reviews allow customers to post positive, negative, or neutral reviews about marketplace experiences.
  • 837/1000 on J.D Power: Discover got 837 out of 1000 available points, ranks 2nd on J.D. Power credit card satisfaction survey , higher than industry average. J.D Power offers the most comprehensive and independent study of customer satisfaction of card issuers . The study aims to help consumers and issuers to understand user opinions and ratings of the largest bands. It covers terms, benefits, services, communication, rewards and more.

J.D. Power U.S. Credit Card Satisfaction Study 2020

In order to avoid bias based on a small number of reviews, we present only ratings with at least 200 reviews.


Discover It Miles Card offers some great benefits for travelers and those who are spending time out of home – but not only or them:

If you spend $20,000 over your first 12 months, for example, you’ll accrue 30,000 miles on your card and Discover will match that giving you a total of 60,000 miles earned in your first year. 

This is a great benefit because it gives you time to spend money on your card throughout the year. You don’t have to rush to make lots of purchases the first 3 months like most credit cards limit you to for sign up bonuses.

Discover incentivizes you to switch to the Discover It Balance Transfer credit card by offering a very attractive intro offer which includes 0% on purchases for 0% Intro APR for 14 months on purchases and balance transfers..

This means you can take your time paying off new purchases, interest-free. 

Some credit cards require you to have a minimum $20 balance before you can access redemptions, but with the Discover It Miles card, there are no minimum requirements. 

This gives you the flexibility to accrue a large balance or redeem a small balance such as one mile.

The Discover it® Miles card earns you a flat rate of 1.5 miles per dollar on every purchase in any category. This makes it simple to remember if you’re tired of the credit cards that have rotating categories that are hard to keep track of. 

The redemption option allows you to redeem your miles as cash back at a rate of 1 cent per mile. You can choose to redeem your miles towards travel or as a statement credit. 

This is equivalent to earning 1.5% cash back since you are earning 1.5 points per dollar you spend.

Having zero transaction fees on foreign purchases makes sense considering it’s a travel credit card. 

But not every credit card offers no foreign transaction fees, so this is a nice perk with Discover. You can swipe away and enjoy the trip overseas without accruing lots of fees.


While earning 1.5 miles per dollar spent with no annual fee may seem like a good deal, it’s still a low rewards rate compared to other travel credit cards on the market.

There are options out there that offer 2 points per dollar spent as well as easy to hit sign up bonuses that can be quite lucrative. 

If you’re just starting out building credit, it may be tough to get approved for this credit card and you could be better off going with a different card instead. 

To get approved you’ll need to show a healthy credit history and a fairly high score.

The Discover It Miles card does have a intro balance transfer fee of 5% and None ongoing transfer fee. In addition, there is no 0% intro APR on balance transfers.

If you have a high balance you’re transferring over, this fee could add up to a lot of money as compared to a credit card that offers 0% transfer fee or 0% intro APR on Transfers. 

Discover isn’t as widely accepted by merchants as other credit cards like Visa and Mastercard. Getting acceptance overseas may prove to be more difficult for the Discover It Miles card holders.

Application Process

Visit the Discover It Miles Credit Card home page, and then click on “Apply Now.”

It takes you to the next page where you can choose your card design.

Select one and fill in your personal details like your Names, address, email, birth date, income, employment status, etc, then click “Next.”

Read the terms and conditions, check the two boxes to agree to the terms, and then click on “Submit.”


There are several other travel-focused credit cards that offer higher travel reward rates and bonuses when signing up. Let’s take a look at them and see if one is better suited for you than the Discover It Miles credit card.

Bank of America Travel Rewards Credit Card is a straightforward rewards card that doesn’t shift spending categories for higher bonuses, offers flexibility with its travel rewards and simplicity for those who don’t want to jump through hoops in order to earn or spend their rewards.

Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points.. Also 0% intro APR on purchases for 12 months. The card has no annual fee. Then 14.99% – 22.99% Standard Variable Purchase APR and 3% balance transfer fee.

In addition, you get 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel purchases. 

The Chase Sapphire Credit card is in their top spot in regards to the best traveling and dining cards as they offer you 2X more points compared to other cards. In addition, Chase Bank offers a 25% point’s bonus, whenever you redeem the points for travel.

The card offers a sign-up bonus of 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening points when you spend more than $4,000 on any purchases in the first 90 days. This is equivalent to $750 in travel costs when you redeem your travel rewards.

2X on travel and dining at restaurants and 2X points on grocery store purchases (till April 30, 2021 and up to $1,000 in grocery store purchases per month ), 1 point per dollar spent on all other purchases . If you use any Lyft rides from now up to March 2022, you shall earn 5X points.

However, with all of these rewards, you should note that the card has an annual fee of $95. The APR range between 15.99% – 22.99% , depends on your credit worthiness. 

The Discover It Cashback card is also an alternative credit card to the American Express Blue Cash Preferred.

5% cash back on everyday purchases at different places each quarter like, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum + 1% cash back on all other purchases.

It also offers 0% Intro APR for 14 months on purchases and balance transfers. 0% APR intro period on purchases and balance transfers for  giving you time to pay off your balance without interest. Then 11.99% – 22.99% Standard Variable Purchase APR and 5% balance transfer fee.

The discover cash back card  does not come with an annual fee. 

Is the Discover It Miles Card Right for You?

If you’re an occasional traveler who likes a simple to remember rewards system.

It has a flat rate of rewards and a very simple redemption process. It is, however, best for cardholders with a credit score of more than 700, and it is the best option for people who travel a lot.

If you frequently travel abroad, the card does not charge any foreign transaction fees, but it is important to note that it is not acceptable in all countries.

Overall, work out the math to compare what you think you’ll spend and decide which credit card offers the best reward system that fits your needs.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.