Discover it Miles® Credit Card Review: Unlimited 1.5x Rewards

Credit Card Review

We’ve previously written about the original Discover it® credit card. Vanessa and I continue to use that card for the 5% rotating cash back, Discover Deals portal, free FICO score, and the other numerous features. It has been an excellent credit card over the last 4 years.

Discover recently rolled out another card called the Discover it Miles®. Thus far, I’m impressed and this card is another great addition to the lineup.

The Discover Miles credit card is another cash back card. Instead of 5% cash back in select rotating categories like its older sibling, the card gives 1.5 miles per dollar spent on all purchases (equivalent to 1.5% cash back). This rate is doubled in the first 12 months of card ownership, making the effective rate 3 miles per dollar spent (3% cash back) on all purchases.

Miles can be redeemed against any travel expense at a 1:1 ratio, or simply redeemed 1:1 for cash back.  If you redeem for cash, 3% is the highest cash back card on the market for all purchases, which makes this a great addition to your wallet.

Discover it Miles® – Features

  • 0% intro APR – Discover is offering a special 0% interest rate on all purchases and balance transfers for 14 months. This is a good deal if you plan to transfer your existing high-interest credit card debt so that you pay 0% interest on your transferred balance for 12 months (although you will pay a balance transfer fee).
  • No annual fee
  • Free FICO score – Based on your Transunion credit report.
  • Great Mobile App – Available on Apple devices and Android, the app works well. You can set a 4 digit passcode, then login to view your account summary, transactions, miles earned, your FICO credit score, and most other features that are available on the full website.
  • Freeze it on/off switch – lets you prevent new purchases, cash advances, and balance transfers if your account is compromised. Freeze or unfreeze your account in seconds via website or mobile app
  • Wi-fi purchase refund – Discover will reimburse up to $30 annually toward in-flight Wifi charges. This is a solid feature that comes in handy since almost every single airline charges for Wifi.
  • No foreign transaction fees
  • Free Overnight Card Replacement – If your card is stolen or lost, Discover will overnight a replacement free of charge. Additionally, you aren’t responsible for any unauthorized charges.
  • 100% U.S. based Customer Service – Available 24 hours each day.
  • Double miles in the first year and miles never expire

Discover it Miles® vs Discover it®

The classic Discover It Card offers 5% cash back in quarterly rotating categories, up to $1,500 spent per quarter. These rotating categories tend to be valuable, but the $1,500 limit is too easily met. The original Discover card also allows unique access to the Discover Deals online shopping portal, which you do not receive with the Miles card.

The new Discover It Miles card is uncapped. You will earn the full 3% on all purchases for the first year, and 1.5% each year after that. You also get access to the Discover Deals portal, but it’s for discounts only, not cash back from shopping.

These two cards should be used for different purposes. The original card should really be used in the 5% categories, and for access to the Discover Deals shopping portal. The Miles card should be used for everyday spending to earn 3% cash back.

Yes, you can get both and use them accordingly. I know people who have both cards. You could also get the Discover Miles card for yourself, and then another for your spouse after 12 months, to continue the 3% cash back on everything.

Discover it Miles® vs Other Credit Cards

The 3% cash back on the Miles card is higher than any other offer available. There are a couple of 2% cash back cards for general spend, but that’s it.

If you are able to spend a significant amount of money in the first year, this card makes perfect sense and you should grab it. Earning 3% instead of 2% cash back means earning an additional $100 cash back per $10,000 spent.

If you don’t spend much money, the 3% becomes less useful and you should consider other options. You can obtain free flights and hotel stays through the bonuses offered by travel credit cards.

If you are looking for a quality credit card for everyday use, the Discover it Miles credit card is a great option. I think this card is best paired with the original Discover It card to make use of the Discover Deals portal, rotating 5% categories, and 3% on everything else.

Editorial Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

User Generated Content Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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Jacob, I typically spend about $1,250 each month through my credit card and have a $3,500 purchase coming up in a few weeks (likely biggest purchase of the year). I have excellent credit and am trying to decide which card would be best. I think I’ve narrowed it down to the Discover It Miles Credit Card or the Chase Preferred Sapphire (primarily as my large purchase in the next few weeks would cover the $4,000 that has to be spent in the first 3 months). Not a fan of the $95 fee after the first year with the Sapphire card.… Read more »


Hi Jacob, I have one question regarding this Discover Miles card. Since Discover recently announced that new Discover Cashback holders will get the points doubled the first year which was something only for the Miles until recently.
Do you still think that it is worth having the Miles card? Seems like the Miles card has less advantage compared to the Cashback version when the regular cashback also gets double points at the end of one year.


Hello Jacob! Thank you so much for your review and I would like to share something with people who might be interested in this card ! Okay so long story short, originally I wanted to get a secured credit card from Discover just because I had no credit history and I found out their security card was one of the best after doing some research. However, in order to get a secured card from Discover you have to apply for an unsecured card. If unfortunately you get rejected, they may offer you a secured card. So I applied for Discover… Read more »

Erica Sandberg
Erica Sandberg

Thanks for the review, Jacob! Have you had challenges with getting Discover to honor the initial promotion. I have an issue with that several years ago and haven’t been too keen to go back to Discover cards since.


The no annual fee plus the miles (or cash back) makes this card pretty attractive. As I don’t have a Discover card, what about a mobile app? Is it a good one?


I have had my Discover it Miles credit card for 3 months and I can say that I am very satisfied with its services and perks. I am now saving points for the autumn getaway. What made choose this cc is that it has no annual fee ever.