The Discover it® Miles Travel Credit Card has become a popular option for those seeking flexibility and value in a travel rewards credit card. This card features a compelling array of benefits and straightforward terms, making it suitable for both frequent travelers and everyday spenders alike. With a 0% introductory APR for 15 months on purchases and balance transfers, followed by a variable APR of 17.99% to 26.99%, it offers a helpful financial buffer for new cardholders.

There are no annual fees, which sets this card apart from many competitors. Cardholders earn an unlimited 1.5x miles on every dollar spent, and at the end of the first year, Discover will automatically match all the miles you’ve earned. This effectively gives you double miles during your first year, with no minimum spending requirement.

Other notable details include a balance transfer fee of 3% for intro transfers, rising to 5% for subsequent ones, and a cash advance fee of either $10 or 5% of the advance amount, whichever is greater. The cash advance APR stands at 28.99% variable, and the minimum interest charge is just $0.50.

How to Apply for the Discover it® Miles Travel Credit Card

Applying for the Discover it® Miles card is a simple, step-by-step process. First, prepare your basic personal and financial information such as your Social Security Number, income, and address to expedite your application.

Next, visit the Discover card application portal and select the Discover it® Miles Travel Credit Card offer. Complete the application form accurately, ensuring all required fields are filled without errors. Submit your application for a quick review.

Many applicants receive an instant decision, although some may require additional processing time. Upon approval, your card will be mailed to you, and you can activate it online or via Discover’s mobile app. You can begin earning miles immediately with every qualifying purchase.

Pros of the Discover it® Miles Travel Card

One of the primary advantages of this card is the unlimited 1.5x miles per dollar with no earning cap. This allows cardholders to maximize rewards regardless of their monthly spend. The exclusive year-end match effectively doubles initial rewards, making the first-year value hard to beat for new members.

Another benefit is the card’s redemption flexibility. Cardholders can use miles as cash, as statement credits for travel purchases, or even pay with PayPal. There are also no blackout dates, and miles never expire as long as your account remains open.

Cons of the Discover it® Miles Travel Card

A potential downside is the relatively high balance transfer and cash advance fees after the introductory period. If you frequently transfer balances or require cash advances, the costs can add up over time.

Additionally, while Discover claims 99% nationwide acceptance, international acceptance is more limited compared to cards on other networks, so travelers going abroad regularly may need a backup.

Verdict: Is the Discover it® Miles Right For You?

The Discover it® Miles Travel Credit Card stands out for its simplicity, lack of annual fee, generous first-year match, and flexible redemption options. It is a solid choice for users who prioritize value and straightforward rewards over luxury travel perks and prefer a card that fits both travel and everyday spending needs.

Those seeking exclusive travel benefits or wider international acceptance might look elsewhere, but for most U.S. consumers, the Discover it® Miles offers impressive rewards potential with little risk or cost.