Review of the Discover it® Miles Credit Card
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The Discover it Miles provides 1.5X miles per dollar on all your purchases. While not the most rewarding option, it is fairly simple, and Discover will double what you earn in your first year to make it a bit more lucrative.
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The information related to Capital One VentureOne Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
The Discover it® Miles is a simple, no annual fee travel credit card that offers 1.5X miles per dollar for every purchase you make, no matter where you shop. That will be the equivalent of 1.5% cash back.
It doesn’t have a lot of extra perks and benefits, though it’s quite flexible compared to most travel cards because it provides the full value of 1 cent per mile no matter how you redeem your rewards.
Discover makes this card more rewarding by doubling the total number of miles you earn in the first year to 3X miles per dollar, or 3% cash back, a unique offer that will scale up to fit however much you spend. You can take advantage of the introductory interest rate on purchases to help fund a trip, a nice feature that not all travel cards share.
The Discover it Miles is a solid offer when it comes to travel cards with no annual fee. Read on to learn more and see what makes it so good.
- Min. credit levelGood
- Annual Fee$0
- Regular APRSee Terms
- 1.5X miles per dollar spent on all purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRSee Terms for See Terms
- Regular Balance Transfer APRSee Terms
- Balance Transfer FeeSee Terms
- Penalty APRN/A
- Late FeeSee Terms
- Returned Payment FeeSee Terms
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
Our Rating: 4 Out of 5 Stars
Although the Discover it Miles card doesn’t have a lot of flashy features and a bevy of luxurious travel benefits, like some travel credit cards, it’s a good offer overall.
Why We Like It
- 1.5X miles for every purchase
- Double miles in your first year
- A lengthy introductory rate for purchases
- Free FICO Score 8 from TransUnion
- No annual fee
Why It Could Be Better
- Limited benefits, no travel-specific perks
- When redeeming for statement credits, redemptions must be for travel, gas station, or restaurant purchases within the past 180 days
Insider Advice: Getting the Most Out of Your Card
- Use it everywhere, or combined with other cards: Use the Discover it Miles to earn the equivalent of 1.5% cash back (or 3% in the first year). If you have multiple cards, use this card whenever you won’t earn more rewards with a different card.
- Deposit rewards into a bank account: Redeem your miles directly into a bank account for the simplest way to access your rewards. This will let you redeem them even if you don’t have any travel/gas/restaurant expenses to use them for.
- Pay off expenses over time at zero interest: Use the intro purchase APR to pay for new purchases over time. Be sure to pay the minimum payment every month or you could lose your intro rate.
- Be aware of Discover availability abroad: Take the Discover it Miles along with you outside the country because you won’t be charged any extra fees for foreign transactions. But take note that Discover has limited acceptance outside the U.S., especially in Canada and Europe.
The Rewards
With this travel rewards card you’ll earn 1.5X miles per dollar for every purchase, which is the equivalent of 1.5% cash back.
After your first year of card use Discover will double the rewards you earned, so you would get 3X miles per dollar in that first year— equal to 3% cash back.
Earning
| Spending Rewards |
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| Introductory Bonus Offer |
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You can earn an unlimited number of miles, and they won’t expire as long as your account is open.
The regular rate of 1.5X miles per dollar is pretty good but Discover will double the miles you earn after one year, meaning you’ll effectively be earning 3X miles per dollar for that first year after account opening. That’s a great deal!
Redeeming
You’ll always get a value of 1 cent per mile, no matter how you redeem. This is a handy feature compared to many cards, where you’ll only get the best rate for one or two redemption methods.
Miles can be redeemed in three different ways:
- By an electronic deposit into the bank account of your choice
- By a statement credit to pay for eligible travel, restaurant, and gas purchases within the past 180 days
- By using Pay With Miles at select merchants like Amazon.com (an option will automatically appear where eligible)
The simplest method would be to designate a bank account, and have the rewards redeemed directly into it on a periodic basis. This is a nice feature to have on a travel credit card, because it means you can access your rewards even if you don’t happen to have any travel expenses in a given year.
We recommend that you avoid the Pay With Miles option because you won’t earn any miles when you pay with rewards. Instead, pay with your Discover card as normal to earn miles, and then redeem your miles with a different method.
You can also redeem your miles for statement credits to pay for past travel, restaurant, and gas purchases, which will reduce the balance of your account.
Eligible travel purchases include:
| Hotel Rooms | Commercial Airline Tickets | Car Rentals |
| Taxis and Limousines | Cruises | Vacation Packages |
| Passenger Railways | Local and Suburban Commuter Transportation | Charter Tours, Bus Lines |
The Benefits
- FICO Credit Scorecard: Access your FICO Score 8 whenever you’d like for free, based on your TransUnion credit report.
- Cash at Checkout: At eligible retailers you can get cash at checkout, a handy way to get some money without going to an ATM. The extra cash will be counted as part of your purchase.
- Refer a Friend bonus: Earn a $100 statement credit bonus for every friend you refer who’s approved, up to 10 friends per year. If your friend makes a purchase within three months of opening the account, he or she will earn a $100 bonus too.
- Free Social Security number alerts: Discover searches for your Social Security number on thousands of risky sites and will alert you if your information was compromised.
- New account alerts: Get notified of credit inquiries and new accounts on your Experian credit report.
- $0 Fraud Liability Guarantee: If your card is lost or stolen, you are not liable for any fraudulent charges made to your account. Contact customer support immediately if you suspect fraud.
- Fraud Protection: Discover monitors your account around the clock for suspicious or unusual activity.
The Terms & Fees
| Purchase APR | Balance Transfer APR | Cash Advance APR |
|---|---|---|
| See Terms for See Terms, then See Terms | See Terms for See Terms, then See Terms | See Terms |
| Annual Fee | Foreign Transaction Fee |
|---|---|
| $0 | None |
| Balance Transfer Fee | Cash Advance Fee |
|---|---|
| See Terms | See Terms |
| Penalty APR | Late Fee | Returned Payment Fee |
|---|---|---|
| None | See Terms | See Terms |
This is a pretty affordable card, with no annual fee to worry about. It can be completely free to use as long as you avoid interest and fees by always paying off your balance in full each billing cycle.
Take note that the introductory offers for purchases and balance transfers are different with this card. Most cards will have the same offer for both, but not here.
The Discover it Miles has no foreign transaction fee, which is a great feature to have on travel credit cards. This means you can bring it with you anywhere in the world and you won’t have to worry about an extra charge, as long as Discover is accepted.
The Bottom Line
The Discover it® Miles is a contender if you’re looking for a simple credit card that will reward you for traveling. While not the most rewarding card for travelers, its simplicity can be attractive to some.
It’s a general-use travel card, offering its 1.5 miles per dollar for every purchase you make no matter what type. This means you can earn miles at a pretty fast rate, especially because Discover will double the total miles you earn at the end of your first year.
Overall, it’s not the most rewarding travel card but it has no annual fee, and Discover makes it easy to redeem your rewards either for travel expenses or otherwise. This means it’s a good option if you want to optimize your rewards with multiple cards because you can easily earn the equivalent of 1.5% cash back for every purchase with this card, making it good for any spending when you would otherwise only earn 1% cash back.
How to Apply for the Discover it Miles Credit Card
You can apply for the Discover it Miles securely on Discover’s website. Discover will check your credit reports from the major credit reporting bureaus. Keep in mind your credit might take a small hit from the hard credit check.
Good credit scores will give you the best shot at approval, though credit decisions rely on more than just credit scores.
Qualifications and Requirements
- Must be 18 to apply
- Personal information: Name, date of birth, Social Security number, U.S. citizenship status
- Address and contact information: Home address, phone number, email address
- Financial information: Total annual income, monthly mortgage or rent payment
- Min. credit levelGood
- Annual Fee$0
- Regular APRSee Terms
- 1.5X miles per dollar spent on all purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRSee Terms for See Terms
- Regular Balance Transfer APRSee Terms
- Balance Transfer FeeSee Terms
- Penalty APRN/A
- Late FeeSee Terms
- Returned Payment FeeSee Terms
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
Alternatives to the Discover it Miles Card
Not crazy about the Discover it Miles? Here are some other cards that you may like better.
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Transfer your miles to over 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases for 12 months; 15.49% – 25.49% variable APR after that
The Capital One VentureOne Rewards Credit Card (Review) is very similar to the Discover it Miles card.
One of the differences between the two, however, is in their introductory APR periods. The Discover card offers an intro period for both purchases and balance transfers, while the VentureOne only features a purchase APR period.
Capital One has a selection of airline partners to which you can transfer miles, giving you a way to earn a higher return on spend. With Discover, you’re stuck with 1 cent per mile.
The VentureOne has stronger benefits, especially if you qualify for the Visa Signature version of the card.
These cards are alike in most ways. If you’re wondering between them, the main question to ask would be if you want to earn miles at a slightly higher rate with the Discover it Miles, or get better benefits and transfer opportunities with the Capital One VentureOne Rewards.
| Spending Rewards |
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| Introductory Bonus |
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- Mile transfer: Transfer miles to a variety of airline and hotel partners, at varying rates.
- Dining, sports, and music event access: Get access to exclusive culinary experiences, sports discounts and VIP packages, and concert tickets/perks.
- Capital One CreditWise: See your VantageScore 3.0 credit score, based on your TransUnion credit report, along with some information from that report.
- Shopping and travel protections (Visa Signature only): Auto Rental Insurance, Travel & Emergency Assistance, Warranty Manager Service, Travel Accident Insurance
- Purchase APR: 0% for 12 months, then 15.49% - 25.49% Variable
- No foreign transaction fee
- Annual fee: $0
The information related to Capital One VentureOne Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
- Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,250 when you redeem through Chase Ultimate Rewards®.
- Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
The Chase Sapphire Preferred® Card (Review) is one of the more popular travel credit cards, coming with a $95 annual fee.
For that price you’ll be able to earn 5X Ultimate Rewards points per dollar on Lyft rides and 2X points on travel and dining purchases. That’s more rewarding than the Discover it Miles, but only for those purchases.
You’ll get a nice bonus of 100,000 bonus points for spending $4,000 in the first 3 months from account opening. To earn that much with the Discover it Miles in your first year, when Discover will double your earnings to 3 miles per dollar, you’d need to spend a whole lot of money.
The Sapphire Preferred has the definite edge on extra benefits, and also provides extra points at select retailers through the Shop Through Chase program, along with more discounts through Chase Offers.
This card will cost more annually, but it provides a more lucrative rewards program along with flexible redemption options. You’ll have to choose which card best suits your spending habits.
| Spending Rewards |
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| Introductory Bonus Offer |
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The travel category includes the types of expenses you’d expect, along with some others you might not expect. In all, it covers:
| Airfare | Hotels | Car Rental Agencies | Taxis | Buses |
| Toll Roads | Parking Lots | Garages | Travel Agencies | Discount Travel Sites |
The Sapphire Preferred has a few redemption options, one of which allows you to transfer points at a 1:1 rate to a variety of frequent traveler programs, like the British Airways Executive Club or Marriott Bonvoy. This is one of the best ways to use your points because you can often get the equivalent of upwards of 4%, 5%, or even 6% cash back. The Discover it Miles does not allow you to transfer rewards to other programs.
- DoorDash membership: You’ll get a free DoorDash membership for at least a year, known as a DashPass. This gives you free delivery and reduced service fees on orders over $12, which could help you save quite a bit if you tend to order out.
- Refer a Friend: You can invite friends to apply for the Sapphire Preferred, and for every friend who’s approved you’ll get 20,000 bonus points. You can earn up to 100,000 bonus points per year in this way.
- Luxury Hotel & Resort Collection: The Luxury Hotel & Resort Collection is provided by Chase, and includes benefits at over 900 locations around the world. In addition to hotels and resorts, many lodges and spas can be found in the collection as well. Certain blackout dates and other restrictions may apply.
- Shop through Chase/Chase Offers: Cardholders can get more points at select retailers with the Shop through Chase marketplace, and discounts through Chase Offers.
- Chase Preferred Experiences: As a Sapphire Preferred cardholder you’ll have access to exclusive events and experiences provided by Chase. There aren’t very many available at a time, and they’re only available at select locations around the world.
- Visa Signature Concierge: You can call 1-800-953-7392 to speak with your Visa Signature Concierge, 24/7.
- Travel protections: Trip delay reimbursement, trip cancellation/trip interruption insurance, baggage delay insurance, lost luggage reimbursement, and more.
- Shopping protections: Purchase protection and extended warranty protection.
- Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
- No foreign transaction fee
- Annual fee: $95
- Earn 40,000 bonus points after you spend $1,000 on purchases within the first 90 days.
- Earn 6X points per $1 on JetBlue purchases, 2X points per $1 at restaurants and grocery stores, and 1X point per $1 on all other purchases.
- Earn 5,000 bonus points every year automatically after your account anniversary.
- Get 10% of your points back every time you redeem.
- No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights.
- Free first checked bag for you and up to three traveling companions.
- 50% savings on eligible inflight purchases like cocktails and food.
- Enjoy TrueBlue Mosaic benefits after you spend $50,000 or more on purchases each calendar year with your card.
- Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card.
- No foreign transaction fees.
- $99 annual fee.
The JetBlue Plus Card is a JetBlue co-branded travel card issued by Barclays.
While it does have an annual fee of $99, it comes with a higher rewards rate than the Discover it Miles. You’ll earn 2X points on groceries and at restaurants, and a far superior 9X points on JetBlue airfare (6X from the card, 3X or more from the flight).
You’ll also receive 10% of the points you redeem back, along with a few extra perks. These include a 50% in-flight discount on purchases, a yearly credit when you purchase a JetBlue Getaways vacation package, and your first checked bag will be free.
So if you enjoy flying with JetBlue, you’ll earn quite a bit for your loyalty and get a few extra traveling perks over the Discover it Miles.
| Spending Rewards |
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| Introductory Bonus Offer |
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- Redemption bonus: 10% of your points back every time you redeem
- Anniversary bonus: 5,000 bonus points every year, after your cardmember anniversary
- First checked bag free: You and up to three traveling companions on the same JetBlue reservation will each get your first checked bag free.
- Fast track to Mosaic member status: Reach Mosaic status, which comes with more points per dollar and other benefits, by spending $50,000 with the card in a given year.
- 50% discount on in-flight purchases: Eligible in-flight purchases are discounted 50%, including food and beverages but not WiFi access.
- Vacation bonus: $100 statement credit for each year that you purchase a JetBlue Getaways vacation package
- Purchase APR: 18.24%, 22.24%, or 27.24% Variable
- Balance Transfer APR: 0% for 12 months (for balance transfers made within 45 days of account opening), then 18.24%, 22.24%, or 27.24% Variable
- No foreign transaction fee
- Annual fee: $99
- Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
- Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
- $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
- New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
- $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
- $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
- $695 annual fee.
- Terms Apply.
The Platinum Card® from American Express (Review) is a luxury travel card, coming with an annual fee of $695.
If the Discover it Miles is on the low end of travel cards, it’s good to see what the high end looks like.
Some of the elite benefits include awesome lounge access, $200 in yearly Uber credits (limited to $15 per month and $35 in December), and an application fee credit for Global Entry or TSA PreCheck. You’ll also have access to a wide variety of discounts and special offers at hotels through the Fine Hotels & Resorts program, coming to an average value of $550 per year.
And that’s not even all of the perks and benefits. The Discover it Miles really can’t compete with a high-end card like this, and while it costs quite a bit more, it has plenty to offer in recompense.
| Spending Rewards |
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| Introductory Bonus |
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You’ll be earning rewards at a pretty fast rate as long as you travel often enough, and those points can be transferred to a variety of frequent traveler programs where they might be even more valuable. The value of your points will vary quite a bit when you transfer them, depending on where and how you use them, but if you can get 2 cents per point you’ll be getting the equivalent of 10% cash back (when earning at the 5X rate).
- Global Lounge Collection: Enroll for complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
- Up to $200 in annual Uber Cash: Add your Platinum card to the Uber App to get up to $15 in Uber Cash per month, plus a bonus $20 in December; U.S. Eats orders and rides only.
- $200 hotel credit: Get up to $200 in statement credits each year for prepaid hotels booked through The Hotel Collection and Fine Hotels & Resorts; must pay with the Platinum card.
- $300 Equinox credit: Pay with your Platinum card to get up to $300 in statement credits annually with Equinox (up to $25 per month), for Equinox All Access, Destination, E by Equinox, or Equinox+ membership fees.
- $240 digital entertainment credit: Pay with your Platinum card to get up to $240 in statement credits annually for digital entertainment (up to $20 per month), only for eligible purchases from Peacock, Audible, SiriusXM, and The New York Times.
- CLEAR credit: Up to $179 in statement credits annually for CLEAR biometric security, enough for a membership.
- Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.
- Uber VIP status: Add your Platinum card to the Uber App to get Uber VIP status where available.
- Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 once every four and a half years)
- Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
- The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
- Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties
- $100 annual Saks credit: Up to $100 in statement credits each year for Saks Fifth Avenue: $50 from January through June, and $50 from July through December
- Global Dining Access by Resy: Resy provides access to exclusive reservations and dining experiences.
- Point transfer: To a selection of airline and hotel loyalty programs
- Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
- No foreign transaction fee
- Annual fee: $695
Enrollment required for select benefits; terms and limitations apply.
The Platinum Card® from American Express (Rates & Fees)
American Express is a Credit Card Insider advertiser.
Have you used the Discover it Miles credit card? How do you like it? Let us know by leaving a comment below, we’d love to hear from you!
For rates and fees of The Platinum Card® from American Express, please click here.
Brendan Harkness
Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high-quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.
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