Discover it® Miles is an innovative credit card designed for users who want to earn unlimited rewards on everyday purchases with a flat 1.5x Miles reward rate for everyday purchases.

Some travel credit cards are only beneficial when booking travel arrangements with that card. Not so with the Discover it® Miles card, which allows you to earn unlimited 1.5x Miles on everyday purchases and redeem them conveniently, beyond just basic travel categories. Consider all of the benefits of the Discover it® Miles card here:

  1. How Do Credit Card Miles Work? 
  2. More Than Just Airlines Miles
  3. Exclusive Travel Card Rewards 
  4. Other Notable Benefits 
  5. Discover Match® Bonus

1. How Do Credit Card Miles Work?

Credit card miles are a customer loyalty benefit some credit card issuers give their customers to reward them for using the card to make purchases. Some credit card companies, like Discover, call them Miles; others call them points, but it all amounts to the same thing – a rewards program.

Typically, the more you spend on your credit card, the more miles or points you earn. Once you accumulate a certain amount, you can then redeem them for specific items or rewards. The value of the points or miles and how you can use them depends on the credit card and the rewards program it offers. Read on to learn more about how to make the most of the unique perks of the Discover it® Miles card.

2. More Than Just Airline Miles 

Even though the Discover it® Miles card has the word “Miles” in it, that doesn’t mean that you can only use them for airlines. It’s essentially a flat rate card that earns 1.5 Miles on every dollar spent on purchases – which can be redeemed as a statement credit for recent travel purchases, cash, or at checkout with Amazon.com and when you pay using Paypal.*

With the Discover it® Miles card, your redemption rate is one cent per Mile, and you have flexibility to redeem Miles on whichever airline you choose. Not only that, but you can redeem Miles for cash and travel expenses — hotels, car rentals, tours, excursions, even subway and taxi rides — for a statement credit within 180 days.* Otherwise, you can redeem Miles for cash whenever you want and deposit the cash into your bank account.

Here’s how it works: Let’s say you spend $10,000 on the card. Since you earn 1.5 Miles on every dollar you spend on purchases, your $10,000 purchase will earn you 15,000 Miles. You can redeem these 15,000 Miles for $150 at a redemption rate of one cent per Mile. If you make a travel-related purchase, you can get a $150 statement credit; if not, you can deposit $150 into your bank account. In your first year, Discover will match all the Miles you’ve earned at the end of your first year, so your $10,000 purchase will actually earn you 30,000 Miles, which you can redeem for $300 instead of $150.*

3. Exclusive Travel Card Rewards

Another great feature of the Discover it® Miles card is that there is no redemption minimum.* Whereas some rewards programs have thresholds at which you can redeem—$25, $50, even $100—this card allows you to redeem as little as one Mile if you wish.

4. Other Notable Benefits

Discover will match all the Miles that you’ve earned at the end of the first year for new cardmembers.* There is no limit to how much is matched, so the more you earn, the more is matched.

Get a free Credit Scorecard with your updated FICO® Score every month and important information like credit utilization, number of missed payments, number of recent inquiries, length of credit history and total number of accounts.*

You can freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances and balance transfers.*

Not only do frequent travelers benefit from the flexibility of the Discover it® Miles card, but those who don’t travel often can still reap the benefits of redeeming their Miles for a statement credit for travel purchases.* Stopping overnight at a hotel? Redeem for a statement credit for that purchase. You’ve earned a bunch of Miles, but don’t have any travel planned? Redeem your Miles for cash as equivalent value and spend it however you like.

5. Discover Match® Bonus

The Discover it® Miles card has a unique signup offer. While so many reward cards have immediate sign-up bonuses if they make a specific amount of purchases in a certain amount of time, Discover Miles lets new cardholders match all the Miles they’ve earned at the end of their first year.* In other words, if you spend $1,000 per month, under the standard 1.5 Miles per dollar rate, you will earn 1,500 Miles. In one year, that will be 18,000 Miles. So, with the Discover Match® bonus, you will get an extra 18,000 Miles. That’s 36,000 Miles total! That’s a bonus on top of all the other generous features, including no cap on the number of Miles you can earn and no minimum spending requirement.

Originally published November 16, 2015

Updated July 20, 2021.

FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.

Freeze It®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

Starting at 1 Mile, you can redeem your Miles as a credit to your account to pay for all or part of your bill, for cash as an electronic deposit to your bank account, or for a credit for Travel Purchases made on your statement within the last 180 days. Travel Purchases include airline tickets, hotel rooms, car rentals, travel agents, online travel sites, commuter transportation, restaurants and gas stations.

Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. See rewards terms and conditions.

Discover Match®: We’ll match all the Miles rewards you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You’ve earned Miles rewards only when they’re processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates.

PayPal: PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program

Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.