Discover
Discover it Miles Credit Card
Estimated value every year on typical spending
$468/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Discover it Miles Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $468 a year on typical spending.
The fine print
- Intro APR
- 0% for the first 15 months
- Regular APR
- 17.74% to 26.74% variable
- Foreign fee
- None
- Top perk
- Unlimited bonus miles match at the end of the first year
- Approval
- Good credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 1.5x miles on travel purchases and all your everyday purchases
Sign-up bonus
None
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 15 months
- Regular APR
- 17.74% to 26.74% variable
- Balance transfer fee
- Balance Transfer Fee applies
- $1200/mo on everyday spending earns about $216/year (1.5x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Discover it Miles Credit Card: questions people ask
Is the Discover it Miles Credit Card worth it?
With no annual fee, the Discover it Miles Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $468 a year on typical spending.
What is the Discover it Miles Credit Card annual fee?
The Discover it Miles Credit Card has no annual fee ($0).
What does the Discover it Miles Credit Card earn?
1.5x miles on travel purchases and all your everyday purchases.
What credit score do you need for the Discover it Miles Credit Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Discover it Miles Credit Card charge foreign transaction fees?
No. The Discover it Miles Credit Card has no foreign transaction fee.
Does the Discover it Miles Credit Card have a 0% intro APR?
0% for the first 15 months. After that the regular APR is 17.74% to 26.74% variable.
Compare Discover it Miles Credit Card
Similar cards
- ChaseAir Canada Aeroplan Card$408/yr · $195 fee
- ChaseChase Sapphire Preferred Credit Card$561/yr · $95 fee
- American ExpressDelta SkyMiles Gold American Express Card$404/yr · $150 fee
- ChaseIHG One Rewards Premier Credit Card$540/yr · $150 fee
Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Discover product page. Terms change often; confirm them with the issuer before you apply.