Miles by Discover® Card

Miles by Discover® Card

Miles by Discover® Card

Miles by Discover® Card

Miles by Discover® Card

Card details

  • 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash

  • 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 19.99%*

  • No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates

  • Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card

  • Discover is ranked #1 in customer loyalty--16 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)

  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

  • *Click apply to view rates, fees, rewards, limitations and other important information

  • View Rates and Fees

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.00%

  • Bonus offer

    None

  • Intro APR

    Purchase: 0% for 6 mos

    Transfer: 0% for 6 mos

  • Ongoing APR

    Min APR: 11.74%, Variable

    Max APR: 20.74%, Variable

    Penalty APR: Up to 26.74%, Variable

    Cash Advance APR: 25.74%, Variable

  • Balance transfer fee

    3%

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

Discover Miles Credit Card

Miles by Discover® Card

Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

11.74% - 20.74% Variable

Rates & Fees

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

22.99% Variable APR

Rates & Fees

Intro APR

Purchase: 0% for 6 mos

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Tim Chen

Rating details

3.5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period on Purchases and Balance Transfers

  • No foreign transaction fee

Cons

    The Miles by Discover® Card offers rewards for every purchase you make and is an all purpose miles program, redeemable on any airline, travel agent, or travel website. You earn a 2% reward rate on travel and restaurant expenses up to $3,000 per year. In addition, you can earn an additional 1,000 points each month you make a purchase (for the first year).  The Miles by Discover® Card offers an introductory APR of 0% for 6 months on purchases and balance transfers, and then the ongoing APR of 11.74% - 20.74% Variable. The card's $0.

    Escape by Discover® Card vs. Miles by Discover® Card

    The Miles by Discover® Card is an alternative to the Escape by Discover® Card. While the Escape by Discover® Card's $60, it earns twice as many Discover Miles per $1 spent as the Miles by Discover® Card. Mathematically speaking, you have to spend $6,000 or more each year to offset the difference in annual fee via rewards.

    Don't Redeem Miles for Cash

    Discover gives you a choice - you can either redeem Discover Miles in increments of 5,000 for $25 in cash (what amounts to only a 0.5% rewards rate), or you can redeem 10,000 to offset $100 in travel expenses charged to your credit card. Clearly, the latter is a better option. If you want cash rewards instead, just go with one on our cash back credit cards search tool.

    Additional Benefits:

    Discover makes an effort to educate consumers, providing financial education resources designed to help the consumer budget wisely, Discover’s Financial Fundamentals from the company’s home page. Additional benefits include free alerts for cardholders when you’re nearing your credit limit or if a bill payment is approaching.