Information about Discovery Miles has been independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Explore the Miles card overview
The Explore it Miles offers 1.5 miles for every dollar spent on all purchases. Your miles are worth one cent per mile no matter how you decide to redeem them. And, Discover will match the mileage you earn in your first year, so you’ll earn an effective return of 3% on purchases you make in your first year. The Discover it Miles card has no annual or foreign transaction fees and even waives late fees for your first late payment. Tag Rating *:
* Card Ratings are based on the opinions of TPG editors and are not influenced by the card issuer.
I tend to review the cards my friends and family use, and recently I noticed a relative using the Discover it Miles card at a coffee shop. Discover it Miles card not enabled our list of the best cards to buy food and drink.
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He is happy to receive a steady 1.5% return on all his purchases and appreciates some of the free alerts and bundled features of the card. However, you can get an even better 3% return on purchases made during your first year as a cardholder, as Discover matches all the miles you earn in the first year. mine. The Discover it Miles card is a suitable for many peopleso consider whether that’s the card you should add to your wallet in this Discovery Miles review.
Who is this card for?
Discovery Miles is for anyone looking to earn rewards on their spend but don’t want to worry about maxing out redemption points or remembering which purchases earn bonus miles. This is because the Discover it Miles card earns 1.5 miles for every dollar spent on all purchases and offers a percentage per mile regardless of how you decide to redeem your miles.
Some of the benefits offered by Discover Miles make it Ideal for beginnerssuch as free late payment for your first late payment and easily earn and redeem miles. Users with lower credit scores may have a higher chance of being accepted for this card than similar cards offered by other issuers. Other benefits, such as being able to choose your card design and being able to easily freeze your account in a second, can make this card appealing to families.
Read more: 5 reasons why families need a Discover it Miles card
Introductory Suggestions
Discover Miles it does not offer Standard signup bonusbut it does offer some introductory offers for new cardholders.
New cardholders will receive all of the miles they earn in the first year of matching. Specifically, Discover will match all the miles you earn in the first 12 consecutive billing periods your new account is opened. The match occurs at the end of your 12th consecutive payment period, as opposed to during your first year.
Read more: The best balance transfer credit cards
Key benefits and perks
Discovery Miles have benefits and perks that are great for first-time or less experienced cardholders. The most compelling benefit of the card is the ease and simplicity of earning and redeeming – but since earning and redeeming will be discussed in detail in the following sections, let’s focus on the other benefits of the card in the next section. this.
A key benefit of the Discover it Miles card that can especially benefit new cardholders is that you won’t be charged a late fee for your first late payment. So, if you accidentally forget to pay your bill on time or have problems with autopay, you can avoid paying a one-time late fee. Also, late payments won’t increase your APR.
Other Discover it Miles benefits and perks include:
- There are no foreign transaction fees.
- There are no excess fees.
- No phone charges.
- You can Choose your card color and style.
- Free alerts notify you if your social security number is found on any of the thousands of dark web sites.
- Free alerts notify you when any new credit cards, mortgages, car loans or other accounts appear on your credit report.
- Free overnight shipping for replacement cards to any US street address on your request.
- Freeze your account in seconds to prevent new purchases with the on/off button available on both mobile app and website.
- Get a free credit scorecard with your FICO credit scorenumber of recent requests and more.
- 100% US based customer service available anytime.
- Pay your bill by midnight Eastern Time on the day it’s due by phone or online.
Read more: Your Ultimate Guide to the Discover Card
How to earn miles
Discover Miles has a simple monetization structure: you’ll earn 1.5 miles for every dollar spent on all purchases. There is no limit to the number of miles you can earn. In addition, your miles will never expire (although Discover will credit your account with your miles balance if your account is closed or unused for 18 months).
However, note that you will not earn miles immediately after each purchase. Instead, mileage is calculated at the end of each billing period based on your purchases made during that billing period. Discover will then round the miles you earn during that billing period to the nearest full number of miles before adding the miles to your account.
Read more: When to use Discover it Miles
How to redeem miles?
Redeeming your miles with Discover Miles is easy and straightforward. You don’t have to worry about choosing the best or more valuable redemption because your miles are worth a penny no matter which redemption method you choose. You can choose from the following redemption options:
- Credit your account for travel purchases made within the last 180 days (starting at a mile).
- Deposit crypto to the account you specify (starting at one mile).
- Pay with Miles at select merchants (starting at one mile).
Discover the definition of travel buying as:
Purchase of commercial airline tickets within the last 180 days; hotel room; car rental; Cruises; tour operators; holiday packages purchased through airlines, travel agents, online travel sites; inner-city and suburban transportation, including ferries; passenger railway; taxis and limousines; and charter/tourist bus routes. Purchases made using a third-party payment account, touch and pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible.
Read more: How to redeem Discover it miles
How does the Discovery Mile compare?
The Discover it Miles card offers easy earning and redeeming, so you don’t have to worry about whether a particular purchase earns miles and you max out when change them or not.
However, there are other cards that earn 1.5% (or higher) returns on all purchases. And, some of these cards offer multiple redemption options. So compare Discovery Miles with some similar personal cards.
| Explore it Miles | Citi® Double Cash Card | Unlimited pursuit of freedom | Capital One Venture Rewards Credit Card | Bank of America® Premium Rewards® Credit Card | |
|---|---|---|---|---|---|
| Signup Bonus | The mileage earned in your first year is matched. | Earn $200 in cash after spending $1,500 on purchases in the first 6 months of account opening. | Earn 1.5% extra cash back on everything you buy (with up to $20,000 in spend in the first year) – up to $300 worth of cashback. | Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months of account opening. | 50,000 bonus points after you make a purchase of at least $3,000 in the first 90 days of account opening. |
| Annual fee | Not available. | Not available. | Not available. | 95 dollars. | 95 dollars. |
| Earning rate | 1.5 miles a dollar for everything. | 2% cash back on purchases (1% cashback when you buy, plus 1% at checkout). | 5% on travel purchases through Chase Ultimate Rewards, 3% on pharmacy and restaurant purchases, and 1.5% on everything else. | 5 miles a dollar on hotels and rental cars booked through Capital One Travel, and 2 miles a dollar on everything else. | 2 points per dollar for travel and dining, 1.5 points per dollar for everything else. |
| Cashback rate on daily spending | 1.5%. | 2%. | 1.5%. | 2%. | 1.5%. |
| Foreign transaction fees | Not available. | Foreign transaction fee 3%. | Foreign transaction fee 3%. | Not available. | Not available. |
| Note | Not available. | Rewards can be transferred to the linked ThankYou points account for an effective 3.4% return. | Rewards can be transferred to the linked Ultimate Rewards account for an effective profit of 3%. | Miles can be transferred to partner airlines.
Credit for Global Entry or TSA PreCheck Application Fee every four years (up to $100). |
Airline annual incurred statement credit up to $100.
Credit for Global Entry or TSA PreCheck Application Fee every four years (worth up to $100). Trip insurance included trip delay, baggage delay and cancel/interrupt trip. Priority Rewards members earn 25%-75% more points on every purchase. |
Each of these cards has a specific type of person for whom this card is best suited. For example, here are a few ways each of these five cards stands out:
Read more: Best credit cards for everyday spending
Key point
Discover Miles it offers 1.5 miles per dollar spent on all purchases and allows you to redeem your miles for one cent each, no matter how you choose to use them. This means you don’t have to worry about maxing out your miles when redeeming them or remembering to use a specific card for certain types of transactions.
The Discover it Miles card is an especially good choice if you don’t want to pay annual fees or foreign transaction fees and love to earn cash back instead of transferable points or miles. Additionally, Explore will match all the miles you earn on the card in the first year.
Register here: Discover it Miles Thẻ Card
Additional reporting by Ryan Wilcox.
