Rewards Rate
miles on every dollar spent with no category restrictions.
Welcome Bonus
The Discover it® Miles Card offers an exceptional welcome bonus through its First-Year Mile Match program, where Discover matches all the miles you’ve earned at the end of your first year, with no cap. This unique feature effectively doubles your rewards, providing incredible value for new cardholders.
APR
18.49-27.49% Variable APR
Pro & Cons
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Unlimited 1.5x miles with no caps.
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No annual fee or foreign transaction fees.
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Unique first-year mile match doubles your rewards.
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Flexible redemption for travel or cash.
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Limited travel perks compared to premium travel cards.
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Balance transfer fees can add up.
Discover it® Miles Credit Card
The Discover it® Miles Card is a travel-focused credit card designed to reward globetrotters and casual travelers alike. With unlimited 1.5x miles on every dollar spent and a unique mile-for-mile match at the end of your first year, this card stands out as a flexible and rewarding choice for maximizing travel benefits. Its $0 annual fee and straightforward rewards structure make it accessible and appealing to a wide audience.
Discover it® Cash Back Card
Good for:
Cashback rewards on everyday purchases without an annual fee
Miles on hotels and rental cars booked through Capital One Travel.
Miles on flights booked through Capital One Travel.
Annual travel credit for bookings made through Capital One Travel.
Credit for global entry or TSA PreCheck®
Miles anniversary bonus
Discover it® Student Cash Back Credit Card
Good for:
Cash rewards and consumer-friendly benefits.
cashback on rotating categories (on up to $1,500 in purchases per quarter, activation required).
unlimited cashback on all other purchases.
intro APR for 6 months on purchases.
Capital One Spark Miles for Business
Good for:
Businessowners who frequently travel
Miles per dollar on business transactions.
Miles per dollar on hotels and rental cars through Capital One Travel
Miles intro bonus after spending $4,500 in first 3 months.
Card Highlights
- Unlimited 1.5x Miles on Every Purchase: Earn miles for every dollar spent, with no caps or categories to track.
- First-Year Match Bonus: At the end of your first year, Discover matches all the miles you’ve earned, effectively doubling your rewards.
- Redeem Miles for Travel or Cash: Flexibility to redeem miles as a statement credit for travel purchases or cash back.
- 0% Intro APR for 15 Months: On purchases and balance transfers. After that, a variable APR of 17.24% - 28.24%, based on your creditworthiness.
- No Annual Fee: Keep your rewards without worrying about annual costs.
- No Foreign Transaction Fees: Ideal for international travel, saving you 3% per transaction compared to other cards.
Rewards Redemption
With the Discover it® Miles Card, redeeming rewards is simple and flexible. Use your miles for statement credits on travel purchases or convert them into cash back. Travel purchases include flights, hotels, car rentals, and more. There are no blackout dates or restrictions, making it easy to use your rewards your way.
Card Terms, Rates and Fees
- Annual Fee: $0 – Enjoy the card with no annual cost.
- Other Fees:
- Balance Transfer Fee: 3% introductory fee, then up to 5% for future transfers.
- Late Payment Fee: Up to $41.
- Foreign Transaction Fee: None, making this card travel-friendly.
Maximize Benefits and Avoid Fees
To get the most from the Discover it® Miles Card:
- Plan Travel Spending: Leverage unlimited 1.5x miles for all purchases, especially travel-related ones.
- First-Year Rewards Match: Maximize spending during the first year to take full advantage of the match bonus.
- Avoid Late Payments: Set up automatic payments to avoid fees and maintain your credit score.
- Travel Smart: Benefit from no foreign transaction fees for international purchases.
Qualification Requirements
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Requirement |
Description |
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Credit score & credit history |
Good to excellent credit (typically 670 - 850) |
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Income |
Sufficient to cover monthly expenses |
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Job-status |
Stable employment preferred |
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Citizenship/residency |
US citizen or permanent resident |
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Age |
18+ with a valid SSN or ITIN |
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Required documents |
Valid ID and proof of income. |
What Makes This Card Appealing?
The Discover it® Miles Card combines simplicity, flexibility, and value, making it a standout option for travelers. Whether you're a seasoned explorer or someone planning your next vacation, this card’s straightforward rewards program ensures you get the most from your spending. The first-year mile match effectively doubles your rewards, offering unparalleled value for new cardholders.
How to Apply
Applying for the Discover it® Miles Card is a simple process that can be completed online in just a few minutes. Follow these steps to apply:
Apply now
Fill in your details
Your personal information
Terms and conditions
Agree to terms and conditions to submit application
- Visit the Application Page: Go to the official Discover it® Miles application page by clicking here.
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Click “Apply Now”: On the card’s webpage, click the “Apply Now” button to begin the application.
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Fill Out the Application Form: Provide your personal information, including:
- Full name
- Date of birth
- Social Security number
- Address and contact details
- Employment and income information
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Review Terms and Conditions: Carefully read the terms and conditions of the card, including the APR, fees, and rewards program details.
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Submit the Application: Once you’ve completed the form and reviewed your information, click “Submit” to send your application.
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Wait for Approval: Discover typically provides a decision within minutes. In some cases, additional information or verification may be required, which could delay the process slightly.
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Receive Your Card: If approved, you’ll receive your Discover it® Miles Card by mail within 5-7 business days. You can start using it as soon as you activate it.
By following these steps, you can quickly and easily start enjoying the benefits of the Discover it® Miles Card.
FAQ
How does the First-Year Mile Match work?
At the end of your first year, Discover automatically matches all the miles you’ve earned with no cap. For example, if you earned 20,000 miles in your first year, Discover will match that, giving you a total of 40,000 miles.
Is there an annual fee?
No, the Discover it® Miles Card has no annual fee, making it a cost-effective option for travelers.
Are there any foreign transaction fees?
No, there are no foreign transaction fees, which makes this card an excellent choice for international travel.
