Discover it Miles review: Simple rewards for beginners and cash back enthusiasts alike
Editor's Note
Everyone's talking about premium credit cards these days, so it's easy to overlook a simple no-annual-fee card. But don't count them out. Whether you're brand-new to travel rewards or you've been racking up points and miles for years, a card like this can still earn its keep in your wallet.
The Discover it® Miles isn't flashy, but it's reliable. Its rewards are easy to understand, it has no annual fee and it's accessible to those just getting started with credit cards. That said, it shines its brightest when it's used as a complement to other cards or as a stepping stone to travel cards with annual fees.
Card rating*: ⭐⭐⭐½
*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
Discover it Miles: The basics
At its core, the Discover it Miles is about earning miles without constant attention to bonus categories and spending caps. You'll earn at least 1.5 miles per dollar spent on all purchases.
Aside from this, the card offers fairly standard benefits for a no-annual-fee card. While you won't get lounge access, statement credits or elite status with this card, the simplicity of its perks is perfectly acceptable for a card with no annual fee.
Discover is widely accepted in the U.S., so you shouldn't have any trouble making purchases here. However, while Discover is accepted in more than 185 countries and territories, data points suggest acceptance abroad is more limited than for cards on the Visa or Mastercard networks.
Lastly, it's important to note that Capital One is currently moving all Discover products to its platform. This migration will take place through 2027, so make sure to pay close attention to your account. New cardholders should see their card on the Capital One network immediately.
Discover it Miles pros and cons
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Discover it Miles benefits
The Discover it Miles is a great way to build credit, since its lack of an annual fee and accessible benefits mean it's a suitable fit for beginners and those looking to take their credit more seriously.
You'll be able to track your FICO score for free with this card, so you can see in real time how responsible use helps raise your score. Other perks, like contactless payment, fraud alerts and Social Security monitoring, are common across many credit cards.
Cardholders on the Capital One network can access Capital One Offers, earning up to 15 miles per dollar spent at select merchants.
I can't fault the Discover it Miles for keeping its benefits simple; it isn't intended to be a top-tier travel card, so I wouldn't expect it to offer statement credits or any kind of day-of-travel perks.
How to earn and use your rewards
The Discover it Miles has two bonus categories:
- 5 miles per dollar spent on Capital One Entertainment†
- 5 miles per dollar spent on hotels, rental cars and activities booked through Capital One Travel†
†Only available to cardholders on the Capital One network
You'll earn 1.5 miles per dollar spent on every other purchase. I advocate for earning more than 1 point per dollar spent whenever you can, so this card is a great way to add that capability to your wallet if it currently lacks it.
Beginners will also appreciate the opportunity to earn rewards on their purchases, since that's not something every starter card offers.
Your miles can be redeemed for cash back or as a statement credit for various purchases, including airfare, hotels, dining and gas. Alternatively, you can also redeem your miles for gift cards, purchases at Amazon or PayPal, travel through Capital One Travel and purchases through Capital One Entertainment.
Each mile you redeem is worth a flat 1 cent per mile, regardless of the redemption method you choose.
While Discover's lack of transfer partners means its miles aren't as valuable as other rewards currencies, the simplicity of this card's redemption options may be a welcome sight for some.
That's especially true if you're just getting started with rewards. There's no need to overwhelm yourself at the start with award flights, partner redemptions and points and miles sweet spots. Just keep it simple at the start with miles that are easy to redeem. Then, move on to earning transferable rewards when you feel ready.
Downsides to consider about the Discover it Miles
If you're looking for a card that offers more substantial perks like statement credits, elite status boosts or lounge access, the Discover it Miles won't be able to provide that. It's a card geared toward beginners and those looking for an easy-to-use card, and its perks reflect that.
In addition, if you want to maximize every dollar spent, you likely won't find significant value in the Discover it Miles card's sole earning rate. Its simplistic redemption methods may be lackluster for anyone already well-versed in transferable rewards.
This card works best as a foundation for a beginner or as a card for nonbonus spending — meaning any spending that falls outside a card's bonus categories — for those who are fine with redeeming their rewards for cash back.
Discover it Miles vs. Discover it Cash Back
The Discover it® Cash Back may be a better choice for some, since it offers the opportunity to earn more rewards on certain purchases. Cardholders earn 5% cash back on up to $1,500 in combined purchases each quarter on rotating categories (activation required). This is substantially more than the Discover it Miles card's 1.5 miles per dollar spent rate.
However, purchases outside those quarterly categories will earn 1% back (except for those made with Capital One Travel and Capital One Entertainment for cardholders on the Capital One network). That means the Discover it Cash Back isn't the best choice for nonbonus spending, or as a catch-all card for those interested in a one-card wallet.
Which card is best for you depends on whether you want to maximize earnings on some purchases or earn more than 1 point per dollar spent (or 1% cash back) on all purchases.
Is the Discover it Miles worth it?
If you're trying to build credit or you're a cash back fan looking for a place for your nonbonus spending, I believe the Discover it Miles can be a great choice. Since it doesn't charge an annual fee, it's a card you can keep in your wallet for years without worrying about squeezing value out of its perks.
If you're a points-and-miles enthusiast or you're ready to move on from cash back and into transferable rewards, another no-annual-fee card is likely a better option.
When to apply for the Discover it Miles
There isn't a traditional welcome offer on the Discover it Miles. Instead, Discover will match the miles you earn for the first year, with no limit or spending requirement.
That means your first-year earning rate is effectively 3 miles per dollar spent (or 3% cash back), which is very solid for a no-annual-fee card. You'll earn even more miles in your first year on Capital One Travel and Capital One Entertainment purchases (an effective 10 miles per dollar spent).
This is the standard offer on this card. I don't expect this offer to change anytime soon, so don't wait for a better one to apply.
Given that this is a no-annual-fee card, it should be fairly easy to get approved. However, approval is never guaranteed for any card, including ones geared toward beginners.
I applied for a Discover card as my first credit card several years ago and was rejected. If that happens to you, consider the reasons you're given and try again in a few months.
Other cards to consider if you don't want the Discover it Miles
If the Discover it Miles isn't for you, consider one of these alternatives instead:
- If you want to earn transferable rewards for no annual fee: The Capital One VentureOne Rewards Credit Card earns at least 1.25 miles per dollar spent on all purchases, but these miles can be transferred to any of Capital One's 15-plus transfer partners. That significantly increases their value in comparison to Discover miles. To learn more, check out our full review of the VentureOne.
- If you want more well-rounded earning rates: The Chase Freedom Unlimited® (see rates and fees) earns 3% cash back on dining and at drugstores, plus 1.5% cash back on all nonbonus spending. To learn more, check out our full review of the Freedom Unlimited.
- If you want more robust benefits: The Chase Sapphire Preferred® Card (see rates and fees) charges a $95 annual fee, but it easily offsets that with a $100 Chase Travel℠ hotel credit every year and a complimentary DoorDash DashPass benefit (activation required; through Dec. 31, 2027). To learn more, check out our full review of the Sapphire Preferred.
For additional options, take a look at our picks for the best beginner credit cards.
Bottom line
The Discover it Miles is a solid offering with easy-to-track rewards and basic benefits. It won't wow those familiar with premium travel rewards cards, but it provides a great starting point or catch-all card for the right person.
While there's plenty of value to be had from transferable rewards, there's also a lot of complexity that comes with that. If you'd rather keep it to the basics, the Discover it Miles may be the perfect pick.
Learn more: Discover it Miles
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| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
- Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.