Unlimited 1.5x Miles
Earn unlimited 1.5x Miles for every dollar spent on all purchases – from airfare and hotels to groceries and online shopping. Your rewards never expire.3
Unlimited Bonus
Only Discover will automatically match all the Miles you've earned at the end your first year.2 There's no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
No Blackout Dates
Simply pay for travel purchases like airlines, hotels, rental cars and more with your Discover it® Miles Card.
Redeem for Travel or Cash
Redeem Miles as a statement credit to pay for your travel purchases – hotel rooms, rental cars, rideshares, gas stations, restaurants & more with no blackout dates. Or get cash to spend as you please.3
Free Social Security number alerts1
We'll monitor thousands of Dark Web sites when you sign up.
Compare Travel Credit Cards
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Discover it® Miles Credit Card ‡ |
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| No Annual Fee |
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$95 |
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$95 | $95 |
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| Rewards | ||||||
| Unlimited Bonus. At the end of your first year, get an unlimited match of all the Miles you've earned, automatically. 2 See issuers' websites for their new cardmember bonuses. |
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| Earn unlimited rewards on every dollar you spend on purchasesSee rewards for compared cards |
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| Redeem your Miles in any amount to credit travel purchases from your statement 3 |
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| New! Redeem Miles for cash in any amount to pay your bill, including your minimum payment |
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| No blackout dates. Fly any airline, any time |
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| Your Miles never expire3 |
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| You won't lose your Miles, even if your account closes 3 |
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| Use your rewards instantly at Amazon.com checkout6 |
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| Use your rewards instantly when you pay with PayPal9 |
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| Security | ||||||
| Activate FREE alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites.1 |
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Activate FREE alerts to know when anyone pulls your credit, so you can recognize possible fraud 1 +
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| Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your credit report 1 + |
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| Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app & website 4 |
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| Free overnight shipping for card replacement to any U.S. street address at your request 7 |
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| $0 Fraud Liablity – You're never responsible for unauthorized purchases on your credit card |
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| Value | ||||||
| No Annual Fee |
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$95 |
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$95 | $95 |
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| No late fee on your first late payment |
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| Paying late won't raise your APR |
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| No overlimit fee |
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| No foreign transaction fee |
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| Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more † 5 |
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| 100% U.S. based customer service available any time |
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| Pay your bill up to midnight (ET) the day it's due by phone or online |
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Chart comparisons conducted by an independent research firm and based on competitor info compiled in January 2021.
‡Travel Rewards – Discover: 1.5 Miles per $1 spent on all purchases. Chase Sapphire Preferred: 2 points for every $1 spent in travel and dining at restaurants (includes takeout and eligible delivery services); 2 points for every $1 spent on grocery store purchases on up to $1,000 per month through April 2021; 1 point per $1 spent on all purchases. Capital One VentureOne: 1.25 miles per $1 spent on all purchases. Capital One Venture: 2 miles per $1 spent on all purchases. Citi Premier: 3 points per $1 spent on Restaurants, Super Markets, Gas Stations, Air Travel and Hotels; 1 point per $1 spent on all other purchases. BankAmericard Travel Rewards: 1.5 points per $1 spent on all purchases.
+Discover's free alerts are based on information from your Experian® credit report.
†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information. See issuers' websites for further details.
Benefits that don't just talk the talk
Freeze it® on/off switch for your account.
Now if you misplace your credit card, just use this feature on our mobile app or website to prevent new purchases, cash advances or balance transfers, in seconds.4
FICO® Credit Score for Free.
Easily view your FICO® Credit Score on monthly statements, mobile and online for free.5
Learn More
Looking out for you.
We monitor every purchase, everyday for suspicious activity. And you're never responsible for unauthorized purchases on your card.
100% U.S.-based customer service.
You can talk to a real person from our customer service any time. Plus get powerful, fast mobile and online service.
Accepted where you love to shop nationwide.
Discover is accepted nationwide by 99% of the places that take credit cards.8
All with no annual fee.
Discover it® Miles credit card
-
Intro purchase APR is
0%
for 14 months from date of account opening
then the standard purchase APR applies. Intro Balance Transfer APR is
10.99%
for 14 months from date of first transfer, for transfers under this offer that post to your account by 6 10, 2021 then the standard purchase APR applies. Standard purchase APR:
11.99% variable to 22.99% variable, based on your creditworthiness.
Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge:
If you are charged interest, the charge will be no less than
$.50.
Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee:
3% Intro fee on balances transferred by 6 10, 2021 and up to 5% fee for future balance transfers will apply.
Annual Fee:
None.
Rates as of Month Date, YYYY. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
- Back to footnote flash. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.
- Back to footnote match. Discover Match®: Only from Discover, as of January 2021. We'll match all the Miles rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned Miles rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.
- Back to footnote redeem-miles. Redeem Miles: Starting at 1 Mile, you can redeem your Miles as a credit to your account to pay for all or part of your bill, for cash as an electronic deposit to your bank account, or for a credit for Travel Purchases made on your statement within the last 180 days. Travel Purchases include airline tickets, hotel rooms, car rentals, travel agents, online travel sites, commuter transportation, restaurants and gas stations.
Miles Never Expire: We will credit your account with your rewards balance if your account is closed or has not been used in 18 months. See Miles Terms and Conditions for details.PDF Opens in a new window.. - Back to footnote freeze. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
- Back to footnote fico. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.
- Back to footnote amazon. Use Rewards at Amazon.com: For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/CashbackBonus. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates.
- Back to footnote replacement. Free Overnight Card replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.
- Back to footnote acceptance. Acceptance: According to the Feb 2020 issue of the Nilson Report.
- Back to footnote amazon. Use Rewards with PayPal: For complete details on how to Pay with Miles with PayPal see PayPal.com/Discover. Pay with Rewards will be available for eligible credit cards on eligible purchases. All reward redemptions are subject to Discover's reward program terms.