Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Discover it® Miles Travel Credit Card review

Last updated:  

Earn miles on every purchase at a decent rate.’s rating: 3.7 / 5


  • Get this card if you want solid, flat-rate miles on every purchase.
  • Pick something else if you spend a lot in specific categories and want bonus rewards for that.
  • Apply with a good to excellent credit score of 670 and above.

Up to 1.5x



Annual fee


Intro purchase APR

for the first 14 months (then 11.99% to 22.99% variable)


Intro balance transfer

for the first 14 months (then 11.99% to 22.99% variable)


Product NameDiscover it® Miles Travel Credit Card
Card typeVisa
Annual fee$0
Purchase APR0% intro for the first 14 months (then 11.99% to 22.99% variable)
Balance transfer APR10.99% intro for the first 14 months (then 11.99% to 22.99% variable)
Balance transfer fee3%
Cash advance rate24.99% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $40
Returned payment feeUp to $40
Additional cardholder fee$0

Expert review

Kevin Joey Chen

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

Tiered rewards — when you get a varied number of points per category — can be effective depending on your spending habits. But for many people, flat-rate rewards can be a better choice.

Discover it® Miles Travel Credit Card offers a flat rewards rate on every purchase, regardless of category. The card also has redemption options that make it a valuable travel tool or a reliable cashback product.

Card benefits

  • No annual fee.
    Discover cards don’t have annual fees.
  • Rewards.
    Earn 1.5x miles on all purchases. This is a standard rate for no-annual-fee rewards cards. According to Discover, each mile is worth 1 cent each, giving you a 1.5% rewards rate on every purchase.

    Redeem miles for cash back to your account or statement credits on purchases including flights, hotel stays, restaurants and gas stations, or payments at or Paypal.

  • Mile match.

    Discover will match miles earned at the end of your first card year. For example, if you earn 20,000 miles, Discover will award you an additional 20,000 miles.

  • Signup bonus: Discover it® Miles Travel Credit Card vs. Bank of America® Travel Rewards credit card

    The Bank of America® Travel Rewards credit card offers 25,000 points — worth $250 — after you make $1,000 in purchases within the first 90 days.

    With the Discover it® Miles Travel Credit Card, the equivalent is 25,000 points. That’s $16,667 in spending, or about $1,389 a month.

    If you spend less than this, the Bank of America® Travel Rewards credit card could offer a stronger signup bonus. But with heavy first-year spending, you could land a bonus worth well over $250 with the Discover it® Miles Travel Credit Card.

  • Intro APR period on purchases.
    Get 0% on purchases for the first 14 months of card membership. After the intro APR expires, your balance will accrue interest at a 11.99% to 22.99% variable APR.

    Most intro APRs top out at around 20 months.

  • No fee for your first late payment.

    This is an unusual but welcome perk you won’t find with most other providers.

  • Free FICO score.

    Monitoring your FICO score can help you keep your finances in check. Your monthly Discover it® Miles Travel Credit Card score is pulled from TransUnion, one of the three major credit bureaus in the United States.

  • Freeze it through Discover’s app.

    You can deactivate a lost credit card in just a few seconds on Discover’s mobile app.

What to watch out for

  • Make balances transfers within the promotional period.
    Transfers that post after the cutoff date will accrue interest immediately at a 11.99% to 22.99% variable APR.
  • The value of the signup bonus depends on your spending during your first card year.

    The card has an unusual signup bonus. With most cards, you can earn a bonus within a few months. But with the Discover it® Miles Travel Credit Card, you have to wait at least a year.

    Consider your spending and calculate the rewards you might earn. If they won’t translate to a substantial signup bonus, you may want to consider another card.

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
This popular travel card's signup bonus is worth up to $1,000. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
American Express® Gold Card
35,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
Earn 4x points at restaurants worldwide. Rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
Hilton Honors American Express Card
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.

Compare up to 4 providers

What should I know before I apply?

You may apply for the Discover it® Miles Travel Credit Card if you’re:

  • A US resident.
  • At least 18 years old.

Required information

  • Full name.
  • Address.
  • Email address and phone number.
  • Date of birth and Social Security number.
  • Employment status, total annual gross income and monthly housing payment.

What credit score do I need?

Consumers with good to excellent credit scores typically have better odds of approval for travel credit cards.

How to apply for the Discover it® Miles Travel Credit Card

  1. Navigate to the Discover it® Miles Travel Credit Card website and click Apply now.
  2. Enter your full name and pick a card design.
  3. Complete the application with information such as your name, date of birth, Social Security number and annual income.
  4. Review your application and submit it.

What do customers say about the Discover it® Miles Travel Credit Card?

Some customers say Discover customer service can be unhelpful and the company can be unforgiving for late payments. Consumers sometimes say their accounts have been closed unexpectedly.

Other customers say they like the consistency of the card’s rewards. Some see it as a product that pays dividends over the long term.

Discover Financial Services has an A+ rating from the Better Business Bureau (BBB) and has been accredited by the agency since 1989. Like many other credit card companies, however, its average rating is just over one out of five stars.

The company has over 800 customer complaints at the time of this writing. According to the BBB, most of them have been answered or resolved.

I got the card. Now what?

  • Activate your credit card and create an online account. Head to the Discover website and click Activate credit card. You can also click Register account to create a Discover account.

    With an online Discover account, you can check your balance and pay your bill.

  • Work toward the signup bonus. Many other cards let you earn a signup bonus after a few months. With the Discover it® Miles Travel Credit Card, you’ll need to wait significantly longer, but Discover will match all miles earned in your first card year.
  • Take advantage of the intro APR. Your card’s terms and conditions will tell you when you must make transfers by to qualify for the balance transfer intro APR.
  • Avoid fees and interest. You could pay Up to $40 starting your second late payment. You could also pay Up to $40 for each returned payment.

    If you pay off your balance in full each month, you can leverage the card’s grace period on interest. The grace period is at least 25 days after the end of each billing period, or at least 23 days for billing periods that begin in February.

  • Contact customer support. If you have issues with your card, call 800-DISCOVER (800-347-2683) to reach customer support. You can also message an agent via the Discover website.
  • How do I redeem miles from the Discover it® Miles Travel Credit Card?

    Log in to your Discover account to redeem your miles. Redemption options include:

    • Electronic deposit to a bank account.
    • Credit for eligible purchases on your card statement you’ve made within the past 180 days. These include airfare, hotel stays, car rentals, travel agents, commuter transportation,online travel sites, restaurants and gas stations.
    • Pay with miles at checkout with or Paypal.

    According to Discover, each mile is worth 1 cent each.

Bottom line

The Discover it® Miles Travel Credit Card offers a solid 1.5x miles on every purchase. That can be especially attractive if you don’t want to deal with tiered rewards.

The card’s signup bonus may take a year to kick in, but it can be worth it depending on your spending.

If you’re unsure about the Discover it® Miles Travel Credit Card, compare other travel credit cards before applying.

Frequently asked questions

Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.


Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site