Discover it® Miles Travel Credit Card

Discover it® Miles credit card (1.5x on all categories, no annual fee)

Welcome Offer

Welcome reward: unlimited 1:1 match of miles earned in the first year (Discover Match)

For new cardmembers only. Eligible miles processed within 365 days of approval are matched mile for mile, with the match posted within 2 billing cycles after that period. There is no minimum spending requirement or match cap. Rewards processed after the period, statement credits, rewards transferred from deposit accounts and closed accounts are excluded.

DISCOVER MATCH™ MECHANISM

How Unlimited Miles Match™ works

Equal match of eligible first-year rewards

STEP 01

Earn regular rewards for the first 365 days

Eligible miles processed within the first 365 days from approval counts toward the match. No minimum spending requirement; the transaction date may differ from the processing date.

STEP 02

Automatic 1:1 match after the period ends

After the first year ends, Discover automatically calculates eligible first-year rewards and provides an equal 1:1 match. No overall matching cap; no manual request is needed.

STEP 03

Posts within 2 billing periods after the end

Rewards are not doubled instantly on each purchase. They are automatically deposited within 2 billing periods after the matching period ends.

Illustrative effective first-year matched rewards

Effective first-year rewards after a 1:1 Match

All eligible general purchasesSource reference cash/travel redemption value: $1 per 100 miles; redemption ratios may change.

Regular rewards1.5x miles

After first-year MatchEffective first-year 3x miles

Illustrative eligible first-year spendingRegular 30,000 miles plus the end-of-period match, approximately $600 at the source reference value; not a fixed welcome bonus.

Regular rewards$20,000 annual spending

After first-year Match60,000 miles

Miles can be redeemed for cash or eligible travel statement credits. Redemption eligibility, ratios and deadlines follow the account terms. Rewards do not expire while the account remains open.

Terms note: New cardholders only: eligible miles processed within 365 days from approval receive an equal match, posted within 2 billing periods after the period ends. No minimum spend or matching cap. Rewards processed after the period, statement credits, rewards transferred from deposit accounts, and closed accounts are excluded. Quarterly caps still apply to designated bonus categories.

Card features and benefits

1.5x Miles on Every Dollar SpentEarn unlimited 1.5 miles per dollar in eligible purchases. The source reference value for cash or travel statement credits is $1 per 100 miles, but redemption ratios may vary by option and may change. Confirm eligibility and deadlines in the account redemption terms. Miles do not expire while the account remains open.
First-Year Discover Match = 3x MilesAfter the first year ends, eligible rewards receive a 1:1 Discover Match, producing an effective rate of up to 3 miles/$1 on general purchases, equivalent to unlimited 3% cash value under the source assumption. The source characterizes the first-year rate as unusually strong.
Capital One Travel & Entertainment 5xFollowing the Discover integration into Capital One, eligible or migrated cardholders earn 5x miles on hotels and rental cars through Capital One Travel, 5x miles through Capital One Entertainment, and up to 15x miles through Capital One Offers.
Flexible Miles Redemption with No ExpirationThe source reference value for cash or travel statement credits is $1 per 100 miles, but redemption ratios may vary by option and may change. Confirm eligibility and deadlines in the account redemption terms. Miles do not expire while the account remains open.
0% Intro APR for 15 MonthsPurchases and balance transfers receive a 0% introductory APR for the first 15 months; balance-transfer fees apply. Afterward, a variable 17.49%–26.49% APR applies. The terms of the individual application offer control.

Additional benefits and explanations

No Annual Fee & No Foreign Transaction FeeNo annual fee or foreign transaction fee (No FTF) on overseas purchases. The source presents this as suitable for cross-border business travel and overseas vacations.
Miles Redemption TermsThe source reference value for cash or travel statement credits is $1 per 100 miles, but redemption ratios may vary by option and may change. Confirm eligibility and deadlines in the account redemption terms. Miles do not expire while the account remains open.
$0 Fraud Liability & Card LockUnauthorized transactions may qualify for $0 fraud liability, subject to investigation. Giving someone access to the card does not make their transactions unauthorized. Card lock may still allow refunds, payments, interest, transfers, fees and transactions during system downtime. Continue to pay on time and review the account.
CreditWise Credit MonitoringFree CreditWise requires age 18 or older, a valid SSN that can be matched to a TransUnion credit file, and sufficient credit history. Some features depend on available data. The FICO Score 8 provided may not be the score used by a lender, and not every data breach is guaranteed to be detected.
Travel insurance noticeThe source states that the publicly listed terms do not include traditional travel inconvenience coverage, lost-baggage coverage or rental collision coverage (CDW). Being a travel-rewards card does not imply substantial travel insurance.