Check It Out Miles Credit Card Review

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the Discover it® Miles is a solid credit card if you’re looking to earn travel rewards with no annual fee. However, the card’s unique feature is its welcome offer, where you can determine how much you can earn. So, if you’ve got some big expenses planned, the first year of membership in the card can be very successful.

And with no annual fee, you can earn without worrying that your overall value will be affected.

Below, To select reviews the Discover it Miles card, looking at the welcome bonus, rewards program and APR, so you can decide if this is the best card for you.

Check It Out Miles Credit Card Review

Discover it® Miles

On Discover’s secure site

  • Awards

    Automatically earn unlimited 1.5x Miles on every dollar of every purchase – with no annual fee.

  • welcome bonus

    Discover will match any Miles you have earned at the end of your first year.

  • Annual subscription

  • Introduction AVR

    0% Intro APR for 15 months on purchases and balance transfers

  • Regular APR

  • Balance Transfer Fee

    3% initial balance transfer fee, up to 5% fee on future balance transfers (see terms)*

  • Foreign transaction fees

  • Credit needed


  • Miles Program
  • Generous welcome bonus
  • No blackout dates
  • No limit to the number of miles you can earn and miles never expire

The inconvenients

  • No credit offers on Global Entry or TSA PreCheck statements
  • Travel spend does not receive additional rewards
  • No access to airport lounge
  • Estimated rewards earned after 1 year: $664
  • Estimated awards earned after 5 years: $1,991

Total rewards include points earned through welcome bonus

welcome bonus

The Discover it Miles card welcome bonus is unique because you determine how much you can earn by spending.

As you spend on the card, you’ll earn 1.5 times the miles per dollar spent. So if you spend $1,000 per month or $12,000 per year, you’ll earn 18,000 Discover miles.

However, the real value of this card is that Discover automatically matches all miles earned at the end of the card’s first year of membership.

For example, if you earn 18,000 miles in the first year, Discover will automatically match that amount, giving you an additional 18,000 miles, for a total of 36,000 miles. Those 36,000 miles are worth $360.

This makes the card extremely valuable for someone planning to spend a significant amount of money in the first year of joining the card. You effectively earn 3% on all expenses in the first year.

Earn and redeem rewards

How to Earn Rewards

The Discover it Miles card has a simple earning structure: cardholders will earn 1.5 times the miles per dollar spent on all purchases. There’s no need to track bonus categories, and earning 1.5 times the miles per dollar on all purchases makes this a solid card to use for non-bonus related expenses.

Cardholders can start earning points as soon as they receive the card.

How to Redeem Rewards

With Discover miles, you can redeem them for several types of rewards, including: travel, cash back, Amazon purchases, or PayPal purchases.

Discover miles are worth 1 cent per point regardless of which redemption you choose, giving consumers flexibility without sacrificing value.

If travel is the preferred way to use your miles, redeeming them for such purchases is simple. Simply log in to your Discover account and you can “clear” your travel purchases for the past 180 days.

While cashback is the easiest way, you can have the funds sent directly to your bank account within three business days.

As with Amazon or PayPal purchases, by linking your Discover it Miles card to your Amazon account, you will be able to use the miles to offset the costs of your purchases at checkout.

The biggest difference between Discover Miles and other reward currencies like Chase the Ultimate Rewards and American Express Membership Rewards is that Discover miles are not transferable to travel partners. Instead of this setting, Discover Miles can directly erase travel expenses from your Discover statement.

Advantages and Benefits

Discover it Miles are a great product for consumers looking for an easy way to earn travel rewards. In addition to simple but effective payouts, the card comes with several features:

Rates and Fees

the Discover it® Miles is a great travel credit card to keep for the long haul as it charges no foreign transaction fees when swiping abroad and has no annual fees. But note that Discover cards are not widely accepted outside the United States as they operate on the Discover network. Mastercard and Visa cards will probably be more useful when traveling abroad.

In addition, cardholders can take advantage of a 0% introductory APR for 15 months on purchases from the date the account is opened. After the intro APR expires, it will change to a variable, 11.99% – 22.99%.

There are late fee up to $40. However, Discover will waive the first time you pay late as a courtesy.

See rates and fees for Miles Discover it here.

Map comparison

the Discover it® Miles isn’t the only travel credit card with no annual fee. If you like to earn credit card rewards with no expense categories to track, or simply earn miles to offset your travel expenses, the Discover it Miles card is just one of many cards to consider.

Here are some cards similar to Discover it Miles to see how they compare.

Find out Miles vs. Bank of America® Travel Rewards Credit Card

the Bank of America® Travel Rewards Credit Card is a product very similar to Discover it Miles. It earns 1.5 miles per dollar spent on all purchases, has no foreign transaction fees, and no annual fees.

It differs from the Discover card because it has a more rigid welcome offer: 25,000 points if you make at least $1,000 in purchases within the first 90 days of opening your account.

However, if you become a Bank of America Preferred Rewards member, you can increase your points earnings by up to 2.62 points for every dollar spent.

Find out Miles vs. Capital One VentureOne Rewards Credit Card

the Capital One VentureOne Rewards Credit Card is almost identical to the Discover it Miles card.

You’ll earn 1.25 miles per dollar on every purchase, with no annual fees or foreign transaction fees. Although it pays a little less than the Discover card, the VentureOne can be more valuable.

With Capital One miles, you can transfer them directly to various airline and hotel loyalty programs to redeem for free flights. The different partners are:

  • Aeromexico Club Premier
  • Air Canada Aeroplan
  • Air France-KLM Flying Blue
  • Alitalia MilleMiglia
  • ALL Accor Live Limitless
  • Avianca LifeMiles
  • British Airways Executive Club
  • Cathay Pacific Asia Miles
  • Privileges of choice
  • Emirates Skywards
  • Etihad Guest
  • EVA Infinity MileageLands
  • FinnairMore
  • JetBlue TrueBlue
  • Qantas Frequent Flyer
  • Singapore Airlines KrisFlyer
  • TAP Portugal Miles&Go
  • Turkish Airlines Miles&Smiles
  • Wyndham Rewards

Plus, the card comes with an easy-to-win welcome offer: Earn 20,000 bonus miles once you’ve spent $500 on purchases in the first 3 months.

At the end of the line

the Discover it® Miles is a great option for consumers looking for an easy-to-use travel card. However, it is even more valuable for people planning to spend a significant amount of money in the first year of card membership due to the uncapped welcome bonus.

And because the value of Discover miles doesn’t fluctuate, it’s much easier to earn and spend them.


How many Discover Miles are needed for a flight?

Discover miles are worth 1 cent per point. So if your flight costs $100, you’ll need 10,000 Discover miles to fully cover the cost.

What is the value of a Discover mile?

Discover miles are worth 1 cent per point. With the Discover it Miles card earning 1.5 miles per dollar spent, that means you effectively get 1.5% back in value on all your purchases.

What credit score do I need for Discover it Miles?

To be approved for the Discover it Miles card, you will need at least one good credit score. However, a excellent credit score will likely improve your chances of approval.

For Discover it® miles rates and fees, click here

Information about the Bank of America® Travel Rewards Credit Card and Capital One VentureOne Rewards Credit Card was collected independently by Select and was not reviewed or provided by the issuers prior to publication.

Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff only and have not been reviewed, endorsed or otherwise endorsed by any third party.

Eleanor C. William