Discover it® Miles

Discover it® Miles
Issued by Discover Bank
Card Rating:4.50
Advertiser Disclosure
Annual Fee
Regular APR
13.99% - 24.99% (V)

Additional Information

Balance Transfer Fee
Purchase Intro APR
0% for14 months
Transfer Intro APR
10.99% for14 months
Late Payment Fee
Returned Payment Fee
Up to $37
Cash Advance Rate
26.99% (V)
Cash Advance Fee
5% (min $10)
Foreign Transaction Fee
Smart Chip
Yes, chip-and-signature
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Sign-up Bonus

Match Mile For Mile: We%u2019ll match all the Mile


No Rewards..

Application Requirements

Minimum credit score
Minimum Age


  • No luxury perks
  • Other cards offer higher rewards rates
  • Discover cards not widely accepted outside the U.S.
  • Requires good/excellent credit

How To Apply Discover it® Miles

  1. Press the “Apply” button below!
  2. Complete the application with your personal details and financial details.
  3. Review and submit your application.
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How To Use Discover it® Miles

  1. You can only use the Discover it® Miles at Store
  2. You can use the Discover it® Miles anywhere that Visa/Master is accepted
  3. Pay your balance on time.
  4. Avoid unnecessary interest and fees.
  5. If you have any question, you can contact the credit card's customer service.

Credit Card Reviews

8 Reviews
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User Name

Love this card
1 year ago

Just received this card a month ago and already earning miles due to my work travel. Credit limit is the highest I have ever had on a card. Very happy with this card

1 year ago

Opening a credit card with Discover has been the worst financial decision of my life. I was charged with over $2,000 worth of merchandise on my Discover it Miles card less than a year after opening it and when I called they said that they were handling this and would be in contact. Months later it amount was still there and when I called them about it they said that they could not validate that the charges were fraud and so it was now my payment. I honestly didn't understand so I filed a police report and they would not even accept that even though the detective could clearly even see that it was fraud (multiple locations of the same chain store within minutes). Anyways I was running around with them for months until I just canceled the card and decided to never to business with them again. This is just my personal experience but it was the worst in my 20s when I don't have &2,000 just to throw away so just want anyone else to be aware. I never had this problem with Citibank so I will stay with them.

Useless for international bookings
1 year ago

It claims to be a world/travel card and international transactions don't incur a conversion fee, but using the card online has been impossible. Every vendor I've tried can't process my payment using this card. I contacted them and they claim it will work when swiped. We'll see if that's true when we get to Europe but wound up switching all my travel arrangements to capital one

What am I missing about the downside of the It Miles card?
Sean Bilsborrow
1 year ago

Yes, I know it's a "cheap" card with the $0 annual fee and relatively low 1.5x rewards. But it offers a 100% match after 12 months that I don't see any other company offer, which makes it incredibly valuable--even for a high spender--after a year.
Consider someone who spends $10k/month on a card. At 1.5X, that's 180k miles in 12 months. With a 100% match, that would be 360k miles with the Discover It Miles card. 
By comparison, the Capital One Venture card offers 2x rewards, which would be 240k miles earned. Even if you add the 40k bonus sign up offer, that's 280k miles earned over 12 months, which is 80k less than the Discover It Miles card.
For someone who doesn't travel internationally with much frequency or need travel/airline-specific perks, what am I missing here?

You can do better
1 year ago

I had the Discover Student card for years before this was released and stupidly thought this would be a better card and closed my student account. The discover student card seemed to have a better rewards rate especially since you got more for amazon purchases.
Pros:-Discover's site and app is good, customer service is also good-the "miles" are basically cashback
Cons:-for some reason Discover takes FOREVER to process payments and seems to not process payments at random. -the payout is TERRIBLE. If you're using the card for $4k/month you'll amount to $30 to pay off one or two uber rides and that's about it. -no bonus for points when you start-Disocver/Diner's Club really isn't taken anywhere outside of North America

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