Discover it® Miles
- Annual Fee
- $0
- Highest rate (conditional)
- Up to 5% (Capital One Entertainment)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- —
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Earning Rates
- 5%
Capital One Entertainment
5 miles per dollar on tickets bought on the Capital One Entertainment ticketing platform with this card; excludes cardholder-exclusive pre-sales, Capital One Hall/Arena direct ticketing and Capital One Dining
- 5%
Hotels Capital One
5 miles per dollar on hotels and vacation rentals booked through Capital One Travel; purchases outside Capital One Travel earn the standard rate
- 5%
Car Rentals Capital One
5 miles per dollar on rental cars booked through Capital One Travel; purchases outside Capital One Travel earn the standard rate
- 1.5%
All Other
1.5x miles on every purchase; automatically matched first year with Miles Match
Benefits & Perks
Insurance & Protections
3 protections$0 fraud liability on unauthorized purchases
Never responsible for unauthorized purchases. Discover monitors every transaction and alerts you of suspicious activity.
Free FICO Score through CreditWise
Check your FICO Score 8 for free through CreditWise; checking it does not hurt your credit.
Instant account freeze and unfreeze
Freeze your account instantly to block new purchases if your card is lost. Unfreeze just as quickly when found.
Program & Transfers
Cash Back Rewards
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #119 of 119 |
Pros and Cons
Pros
- +No annual fee
- +Simple 1.5x miles on all purchases with no category tracking
- +Miles Match doubles all miles earned in the first year (effectively 3x)
- +Flexible redemption - miles can be redeemed for any travel purchase
- +No foreign transaction fees
- +Free FICO credit score access
Cons
- -Discover network has more limited merchant acceptance than Visa/Mastercard
- -Miles are worth 1 cent each - no transfer partners for outsized value
- -No travel protections like trip delay insurance or lost luggage coverage
- -No airport lounge access or TSA PreCheck credit
- -After first year, 1.5x is lower than premium travel cards offer
- -Welcome bonus requires Miles Match mechanism rather than upfront points
Who It's Best For
Best For
- Travelers who want simple flat-rate earning without tracking categories
- Those who prefer statement credits for travel over transferable points
- People building credit who want a no-annual-fee travel card
- First-year cardholders (Miles Match effectively gives 3x miles on all purchases)
Not Ideal For
- Those seeking transferable points to airline/hotel partners
- International travelers (Discover has limited acceptance abroad)
- People who want premium travel benefits like lounge access or travel insurance
- Heavy spenders in specific categories who could earn more with bonus category cards
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Discover 1/12 | You can only get one Discover card every 12 months |
Payment Terms
| Purchase APR | 17.74%–26.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| CardRatings | — | CardRatings |
| RewardsCC API | — | RewardsCC API |
| CardRatings | — | CardRatings: Welcome offer |
| CardRatings | — | CardRatings: Bonus categories |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Apr.balance transfer | |
| Discover Official | Discover Official |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.