4.60/Stars

Discover it® Miles takes earning Miles on everyday purchases up a notch with an exclusive introductory Double Miles Offer that doubles all the Miles you've earned at the end of your first year of card membership. That's when most credit cards would start charging you an annual fee! Discover stays true to itself with Discover it® Miles, giving you many of the same perks you might know from other Discover cards along with some additional benefits, while still having no annual fee.

If you are looking for a Miles credit card that's as uncomplicated and rewarding as other Discover cards, this card will probably catch your attention. In this review of Discover it® Miles I will go over the fineprint to give you a clearer picture of what this card could (or couldn't) do for you.

At Discover's secure site

Things We Like About This Card

Exclusive Double Miles Offer. At the end of your first year Discover doubles all the Miles you've earned. That means that if you chalk up some decent points by using this as one of your primary credit cards, you could end up with a huge chunk of Miles to use as you please.

No annual fee. Like other great cards from Discover, this travel card has no annual fee.

Earn unlimited 1.5 Miles on every dollar you spend on purchases. For each $1 that you spend on purchases, you will earn one and a half (1.5) Miles. That's already a lot of Miles, but by shopping deals from popular merchants through Discover DealsSM you can earn additional Miles. With thousands of deals available, there is a good chance that a lot of what you plan to buy is available there, so you can earn a lot of extra Miles that way.

Low intro APR. When you sign up for this card, you will enjoy a 0% intro APR on purchases for 12 months and 10.99% on balance transfers for 12 months. After that, you get a regular 10.99% - 22.99% variable APR for purchases and balance transfers. This introductory rate makes this a good card to use for large purchases that you know you can pay off within the first 12 months, and if you keep your credit in top shape you can enjoy a very low ongoing APR.

100 Miles = $1 value. You can redeem your Miles in any amount toward travel purchases on your statement starting from just 1 mile. That means that you use your Miles to refund your travel purchases made with this card, which gives you a lot of freedom to choose how you travel. You can also redeem your miles for cash as a direct deposit to your bank account. Every 100 Miles you earn translates into one dollar of value (1 mile = 1 penny), so you would have to redeem 50,000 Miles for a $500 airline ticket. Making just $16,667 (25,000 Miles) in purchases with this card in the first year after opening your account would be enough to get you those 50,000 Miles (with the exclusive Double Miles Offer).

Up to $30 a year refund of in-flight Wi-Fi fees. Discover refunds your in-flight Wi-Fi fees up to $30 a year. You get this refund as an automatic statement credit. This is a unique benefit, and if you use at least $30 worth of wireless internet while flying each year, this is basically additional money earned.

Free FICO® Credit Score. Get your FICO® Credit Score for free on your monthly statements, on the mobile app or online. Most of us need to keep track of our credit score, and getting your FICO® Credit Score (the most widely reviewed score) for free means more money saved.

No foreign transaction fees means that when you use this card to pay for purchases while on holiday or traveling outside of the US, you won't have to pay a foreign transaction fee. Most cards charge from 3% to 5% of each transaction, which can add up to a lot of wasted money. Having a card that charges no foreign transaction fee is also helpful if you want to purchase things online from merchants outside the US.

Paying late won't raise your APR. This is an important and often overlooked benefit. If you happen to miss a payment, your APR won't go up, so you won't suddenly be charged a much higher interest rate on your balance. Most credit cards raise your APR to 29% or more when you make a late payment. Still, I suggest you always make sure to pay on time to avoid paying a late payment fee of up to $35, although there is no late fee on your first late payment.

100% U.S. based service at your dedicated phone number at any time of day or night. If you have wasted precious time on hold, or worse yet, battling to make yourself understood by a friendly but incomprehensible foreign customer service agent, you will understand the incredible value of good customer service.

Free overnight card replacement. Get replacement cards shipped overnight to any US street address at your request, at no extra charge.

You are never responsible for unauthorized purchases on your Discover card. If your card (or card information) is ever lost or stolen, you will not be held liable for unauthorized transactions made with your card.

At Discover's secure site

Our Least Favorite Things About This Card

Limited travel benefits. This card has excellent Miles-earning potential and a few money-saving travel perks like no foreign transaction fees and in-flight Wi-Fi fees refund of up to $30 a year. For a no annual fee travel card it offers a lot, in my opinion. If you want a card that gives you more exclusive privileges such as trip cancellation and interruption coverage and primary auto rental coverage, and you don't mind paying an annual fee, then consider the Chase Sapphire Preferred® Card.

  • Our Verdict:
  • 4.60/5 Stars

Discover it® Miles is a simple and flexible credit card for earning Miles fast. The Exclusive Double Miles Offer that doubles the number of Miles you earn by the end of your first year of membership means you can chalk up a lot of Miles if you use this card to pay for a lot of your purchases the first year. Even after that, the unlimited 1.5 Miles you earn for every $1 that you spend on purchases is very high for a card with no annual fee.

Other popular cards I've reviewed that offer that amount of miles have annual fees of $50 or more, which cancels out a lot of what you save by earning miles. Add to that the interest you can avoid paying thanks to the 0% intro APR on purchases for 12 months and 10.99% on balance transfers for 12 months (after that a 10.99% - 22.99% variable APR) and this really becomes a smart option for travel savings. If you are looking for a low-cost credit card with real saving potential, you can hardly go wrong with Discover it® Miles.

At Discover's secure site

Click here to go to the secure Discover website to apply online for Discover it® Miles now.