Discover it Miles Credit Card vs Bank of America Travel Rewards Credit Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Discover it Miles Credit Card
Estimated value every year on typical spending
$468/ year
Every year, after the annual fee. No welcome bonus.
Bank of America Travel Rewards Credit Card
Estimated value every year on typical spending
$468/ year
Every year, after the annual fee. Year one adds a $250 welcome bonus: $718
The short answer
- On typical spending both cards are worth about $468 a year after fees.
Side by side
| Discover it Miles Credit Card | Bank of America Travel Rewards Credit Card | |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards | 1.5x miles on travel purchases and all your everyday purchases | 1.5 points per $1 on everyday purchases |
| Welcome bonus | None | 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel and dining purchases |
| Credits counted | $0/yr | $0/yr |
| Intro APR | 0% for the first 15 months | 0% for the first 15 billing cycles |
| Regular APR | 17.74% to 26.74% variable | 17.74% to 27.74% variable |
| Foreign transaction fee | None | None |
| Credit needed | Not specified | Not specified |
Yearly rewards by category
| Category (monthly spend) | Discover it Miles Credit Card | Bank of America Travel Rewards Credit Card |
|---|---|---|
| groceries ($500) | $90 | $90 |
| dining ($400) | $72 | $72 |
| gas ($200) | $36 | $36 |
| travel ($300) | $54 | $54 |
| everything else ($1,200) | $216 | $216 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Discover it Miles Credit Card or the Bank of America Travel Rewards Credit Card?
On typical spending the Discover it Miles Credit Card is worth more: about $468 a year after its fee, against $468 for the Bank of America Travel Rewards Credit Card. Which is better for you depends on where you spend most; see the category answers below.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.