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Discover it® Miles Travel Credit Card vs. Bank of America® Travel Rewards credit card

Two excellent travel rewards credit cards with no annual fee.

Updated

Fact checked

Both cards come with a $0 annual fee, a long 0% intro APR period on purchases and 1.5x points/miles on all purchases. The main difference is you get a slightly longer intro APR period with the Discover it® Miles Travel Credit Card and you can potentially earn a higher signup bonus than with the Bank of America® Travel Rewards credit card.

However, if you travel often internationally, the Bank of America card could be a better choice because Visa cards are more widely accepted abroad.

Discover it® Miles Travel Credit Card

Discover it® Miles Travel Credit Card

Rates & Fees

Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

3.7 / 5.0

★★★★★

3.2 / 5.0
Best for
Best for
  • Earning miles with no annual fee
  • No-annual-fee travel rewards
Welcome offer
Welcome offer

Discover will match miles earned at the end of your first card year

25,000 points after spending $1,000 in the first 90 days

Rewards
Rewards

1.5x miles on all purchases

1.5x points on all purchases

Purchase APR
Purchase APR

0% intro APR for 14 months, and then 11.99% to 22.99% variable

0% intro APR for 12 statement closing dates, and then 14.99% to 22.99% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

10.99% intro APR for 14 months, then 11.99% to 22.99% variable

14.99% to 22.99% variable

Cash advance
Cash advance

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 17.99% to 25.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0.50 $1.50
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Summary of card features

Discover it® Miles Travel Credit Card

Discover it® Miles Travel Credit Card

  • You won't pay an annual fee to own the card.
  • Earn a flat 1.5x miles on your purchases.
  • Discover will match your miles earned at the end of your first year.

Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

  • Signup bonus. Get 25,000 bonus points — worth in statement credit — once you spend $1,000 on purchases in the first 90 days of card membership.
  • Earn points. Earn unlimited 1.5x points on everything you buy. Redeem points for statement credit, flights, hotels, vacation packages, cruises, rental cars or baggage fees.
  • Intro APR period on purchases. Enjoy a 0% intro APR period on purchases for the first 12 statement closing dates. After that, a variable APR of 14.99% to 22.99% applies.

Compare credit cards

Data indicated here is updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Discover it® Cash Back
Discover will match cash back earned at the end of your first card year
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
$0
Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.
Discover it® Miles Travel Credit Card
Discover will match miles earned at the end of your first card year
1.5x miles on all purchases
$0
Earn unlimited 1.5x miles on all purchases - from airfare and hotels to groceries and online shopping.
Discover it® Chrome Gas & Restaurant Card
Discover will match cash back earned at the end of your first card year
2% back on gas and dining up to $1,000 combined quarterly, then 1% after that and on all other purchases
$0
Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.
Discover it® Secured
Discover will match cash back earned at the end of your first card year
2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases
$0
2% cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.
Discover it® Chrome for Students
Discover will match cash back at the end of your first card year
2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases
$0
Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.
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Compare up to 4 providers

Name Product Welcome offer Rewards Annual fee Filter values
Bank of America® Premium Rewards® credit card
50,000 points after spending $3,000 in the first 90 days
2x points on travel and dining and 1.5x points on all other purchases
$95
Earn 2x points on travel and dining and 1.5x points on all other purchases.
Bank of America® Travel Rewards credit card
25,000 points after spending $1,000 in the first 90 days
1.5x points on all purchases
$0
Earn 25,000 online bonus points after spending $1,000 within the first 90 days from account opening.
Bank of America® Cash Rewards credit card
$200 after spending $1,000 in the first 90 days
3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 each quarter combined, then 1% after that and on everything else
$0
Earn $200 after spending $1,000 in the first 90 days form account opening.
BankAmericard® Secured Credit Card
N/A
N/A
$0
Helps establish, strengthen and even rebuild your credit.
U.S. Pride® BankAmericard Cash Rewards™ Visa® Card
$200 after spending $500 in the first 90 days
3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 combined quarterly, then 1% after that and on everything else
See terms
Earn a $200 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
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Compare up to 4 providers

Compare Bank of America credit cards

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