Discover it Miles

The it Miles is Discover's answer to a flat-rate travel card: 1.5x Miles on every purchase, no categories to track and no cap to watch. Each Mile is worth a fixed penny, redeemable as a statement credit against travel purchases or as straight cash, so the rate behaves like 1.5% back rather than a points currency that needs a transfer partner to pay off. The Mile-for-Mile match in year one doubles that to an effective 3% on everything you buy, which is the best reason to open this card now rather than later; after year one it competes with flat 2% cash back cards and loses on the math unless you specifically want the travel-credit redemption.

Apply at Discover Issuer terms

Direct link to the issuer. We don't currently have an affiliate relationship for this card.

Annual fee

Free
Welcome offer

Unlimited Mile-for-Mile Match

Discover automatically matches all the Miles you earn at the end of your first year, Mile for Mile, with no limit, no minimum spend, and no sign-up required. New cardmembers only; offer may not be available in the future.
Recommended credit

680-760

Median 720. See why →

Earning rates

on Discover Miles

1.5x

Everyday

Flat rate, all purchases
1.5x

Everything else

Benefits and credits

Purchase and protection benefits

$0 Fraud Liability Guarantee

financing

0% Intro APR for 15 Months

service

Free FICO Credit Score
Free Social Security Number Alerts
Freeze It Account Freeze

Pricing and fees

Full Pricing and Terms

Purchase APR: 17.49% to 26.49%
Foreign tx: None
Penalty APR (cap): None
Balance transfer: 17.49% to 26.49%; Fee 5.00%
Cash advance: 28.49%; Fee $10 or 5.00%, whichever is greater
Late / returned: $41 · $30

Eligibility and application

Card type

Unsecured personal card
Pre-qualification

Soft-pull pre-qualification available
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Not disclosed
Reports AU to bureaus

Yes

Reports authorized-user activity to all three bureaus (issuer's own statement). No published age minimum.
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

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Sources

Data current as of June 30, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.