14
Benefits1
Reward Categories1.5x
Max Reward17.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| All Purchases | 1.5x | Miles | Earn 1.5x miles on every dollar spent on purchases. | No Cap |
Rewards Summary
PENDINGReward Type: Miles
Base Rate: 1.5x
Bonus Rate: 1.5x
Categories: All purchases
Quarterly Rotating: No
Expiration Policy: Miles do not expire as long as the account is active.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: None
Redemption Penalties: None
Benefits & Protections (Detailed) 14 Total
PENDINGCustomer Service & Tools 2
24/7 U.S.-based Customer Service
24/7 U.S.-based supportAccess to customer service representatives located in the U.S. any time, day or night.
Free FICO® Score
Free FICO® ScoreGet your FICO® Score for free on your monthly statements and online.
Fees & Financial 4
No Annual Fee
$0 Annual FeeThere is no annual fee for this credit card.
No Foreign Transaction Fees
0% Foreign Transaction FeesYou will not be charged foreign transaction fees on purchases made outside the U.S.
No Late Fee on First Late Payment
No late fee on first late paymentYou will not be charged a late fee on your first late payment.
No Penalty APR
No Penalty APRDiscover will not raise your APR for making a late payment.
Referral Program 1
Refer a Friend
Statement credit for referralsEarn a statement credit for each friend you refer who gets approved for a Discover card.
Rewards 3
Unlimited 1.5x Miles on Purchases
1.5x Miles per dollarEarn an unlimited 1.5x Miles on every dollar spent on all purchases.
Miles Match®
100% Miles MatchDiscover will automatically match all the Miles you've earned at the end of your first year. This benefit is only for new cardmembers.
Flexible Miles Redemption
Redeem for cash or travel credit, Miles never expireRedeem your Miles for cash or travel credit at any amount. Your Miles never expire.
Security & Protection 4
Freeze it® On/Off Switch
Instant account freezeQuickly freeze your account to prevent new purchases, cash advances, and balance transfers if your card is lost or stolen.
Account Alerts
Customizable alertsReceive alerts for suspicious activity, payment reminders, and more.
Zero Liability Protection
$0 liability for unauthorized purchasesYou are never responsible for unauthorized purchases on your Discover card.
Online Privacy Protection
Personal data removal serviceHelps remove your personal information from people-search sites that could sell your data.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING$0
Cash BackRequirement: Spend $0 in 360 days
Timing: Discover will match all the Miles you've earned at the end of your first year. The matched miles will be credited to your account after your first 12 billing cycles. There is no fixed upfront bonus amount; the bonus is an unlimited match of first-year earnings.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $0.50 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 17.24% - 28.24%
Balance Transfer APR: 17.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 15 months
Intro BT APR: 0% for 15 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The primary bonus for the Discover it Miles card is a dollar-for-dollar match of all miles earned at the end of the first 12 billing cycles, effectively doubling your rewards from the first year. There is no traditional minimum spend requirement to trigger this bonus, as it applies to all miles earned. Eligibility requires applicants to have good to excellent credit, be a U.S. resident, and at least 18 years old. Discover generally enforces a strict rule of allowing only one personal credit card account at a time. Additionally, there is typically a waiting period of 6 months between applications for new Discover credit cards.
Max Cards Per Issuer: 1
Min Spend Interval: Not applicable for bonus trigger; bonus is based on all miles earned in the first 12 billing cycles.
Cliff Effect Rules: Discover's primary 'cliff effect' for personal cards is the strict 'one personal card at a time' rule, preventing multiple simultaneous personal card applications. There are also waiting periods (e.g., 6 months) between new Discover card applications. The first-year miles match bonus is a one-time offer per account and is not repeatable on subsequent Discover it Miles cards.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Simplicity of flat-rate rewards, no annual fee, no foreign transaction fees, excellent customer service, and a solid option for everyday spending.
Top Negative:
Lacks premium travel perks, not ideal for maximizing rewards in specific spending categories, and Discover acceptance can still be limited in some international locations.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One Quicksilver Cash Rewards Credit Card
- Citi Double Cash Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $225.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0