Discover it Miles Travel Credit Card review |

Review: Discover it® Miles Travel Credit Card – February 2019

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Discover it® Miles Travel Credit Card

Earn miles on purchases with this no-annual-fee credit card that comes with a mile-for-mile bonus in your first year.

  • Get this card if… you’re looking for a low-cost alternative to typical travel cards.
  • Pick something else if…you don’t travel much or want more luxurious perks when you do.
  • Good to excellent credit score of 670 to 850 recommended.

The Discover it® Miles Travel Credit Card matches your miles traveled and earns you 1.5x miles for every dollar spent on all purchases — all with no annual fee and no blackout dates.

Product NameDiscover it® Miles Travel Credit Card
Card TypeVisa
Annual Fee$0
APR (Annual Percentage Rate) for Purchases14.24% to 25.24% variable
Introductory Purchase APR0% for the first 14 months (then 14.24% to 25.24% variable)
Balance Transfer APR14.24% to 25.24% variable
Introductory Balance Transfer APR 10.99% for the first 14 months from date of first transfer (then 14.24% to 25.24% variable)
Balance Transfer Fee3%
Cash Advance Rate27.24% variable
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 25 days
Late Payment FeeUp to $37
Returned Payment FeeUp to $37
Additional Cardholder Fee$0
Minimum Age18 years of age
RewardsEarn unlimited 1.5x miles on all purchases - from airfare and hotels to groceries and online shopping.
Base Rewards1.5x miles
Rewards Points ExpirationNever

The basics

The Discover it® Miles Travel Credit Card makes traveling a bit easier every time you leave home. It earns a lot of points and rewards with no limits on how many you can accrue. Earn 1.5 miles for every dollar you spend on all purchases, and Discover will match the miles you’ve earned at the end of your first year.

The perks

  • Match mile for mile.
    For the first year, Discover credits you one mile for every mile you travel. Earned miles never expire, and you can fly whenever, wherever with no blackout dates — even to Florida on the day after Christmas. Redeem miles for credit travel purchases or cash.
  • No annual fee.
    Avoid the fees that can come with some other travel cards.
  • Free FICO Credit Score.
    Track the progress of your score every month on your bill.

You’ll also like…

  • ID monitoring.
    New to this card, Discover monitors your Social Security number, alerting you if it suspects it’s being used fraudulently.
  • Easily on/off freezing.
    Freeze your account at any time online or through an app to prevent purchases, advances or transfers. Plus, they have a $0 fraud liability policy, so if your account is stolen, you’re not responsible for any of the charges.
  • Lenient fees.
    Pay no fees when you go over your limit, make foreign transactions or pay by phone. You also won’t suffer fees or a penalty APR for one late payment.

What to watch out for

  • Limited mile-for-mile matching.
    Discover matches every mile you travel for your first year only — generous, but limited.
  • International acceptance.
    If you’re planning on traveling internationally, Discover cards are not accepted everywhere overseas.

Consider other cards if…

  • You want more rewards. If you’re a frequent traveler, you could find cards that allow you to earn more.

What to know before you apply

Consider applying for the Discover it® Miles Travel Credit Card if you’re:

  • At least 18 years old.
  • A US citizen or permanent resident of the US.

What credit score do I need?

You have a better chance of approval with a credit score of 670 or higher.

How to apply

1. Go to the Discover website. Hover over Credit Cards and click Travel Credit Card.
Discover travel credit card

2. Click Apply Now.
Discover apply now
3. Complete the application with your name, address, income and employer.
Discover Application
4. Continue through the rest of the application, confirm your information and submit.

How long will it take to be approved?

It can take up to 30 days for Discover to come to an application decision. Some customers report hearing back after a couple of weeks. Expect 7 to 10 days for you to receive the card once you’re approved.

I got the card. Now what?

  • Avoid late payments.
    Though the card comes with a lenient late payment policy, consider enrolling in Discover’s online payments for security.
  • Customer service.
    For support, call 1-800-347-2683 or chat with a representative online. Or connect on Twitter @Discover or on Facebook @Discover.

Bottom line

The Discover it® Miles Travel Credit Card can be a good fit for the frequent vacationer. But by looking around at other cards, you could find stronger travel benefits that are worth the annual fee.

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Frequently asked questions about the Discover it® Miles Travel Credit Card

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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