Discover it® Miles
Basic Information
Program ID: discover-it-miles
Issuer: Discover
Card Type: Credit
Network: Discover
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:05
Last Scraped: 01/15/2026 07:42
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| 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
Purchase APR Range: 1,724.00% - 2,824.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,824.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 360 days
Bonus Timing: Discover will automatically match all the Miles you've earned at the end of your first year, for new cardmembers only. The matched miles will be added to your account within one or two billing periods after your first 12 consecutive billing periods close.
Rewards Program
Reward Type: Miles
Base Reward Rate: 1.50%
Bonus Reward Rate: 1.50%
Bonus Categories: All purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Miles do not expire as long as the account is active.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Discover it Miles card offers a unique bonus where Discover automatically matches all miles earned at the end of the first year for new cardmembers. Eligibility requires good to excellent credit, sufficient income, and US residency (18+). Discover is known for conservative application policies, generally limiting new card approvals to one every 6-12 months. While you can typically hold different Discover products concurrently (e.g., Discover it Miles and Discover it Cash Back), you are generally limited to one Discover it Miles card at a time.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: N/A (bonus is first-year miles match)
Shutdown Risk Triggers: Manufactured spending, excessive credit limit requests relative to income, rapid application for multiple Discover products, abuse of promotional offers, and consistent high utilization without timely payments.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.2 / 5.0
Top Positive Feedback:
No annual fee, unlimited 1.5x miles on all purchases, miles never expire, excellent customer service, and first-year miles match.
Top Negative Feedback:
Lower international acceptance compared to Visa/Mastercard, no traditional upfront sign-up bonus, and lacks premium travel benefits.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- Capital One Quicksilver Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $270.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0