Offered by: Discover® Card

Miles by Discover® Card

  • 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
  • 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 19.99%*
  • No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
  • Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
709 Average Credit Score Approved for this Card
660 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
6 Months   6 Months  



10.99% – 19.99%*




10.99% – 19.99%*


* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate


Annual Fee


Late Fee

Up to $35

Cash Advance Fee

5%, Min: $10

Balance Transfer Fee

5%, Min: $10

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees




Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance

  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Compare Holders of this Card
Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder
Sample Size: 737
Data Created: October 01, 2013

26 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

i was aprove for 4500 with 688 transrisk 696 vantage 61% ultilization 6 bad payments less than 2 years and 2 accounts in mangement plans. 7 years of credit experience i had one time 798 vantage and i had one discover once so maybe my credit experience help me a little

Jesusmve's response was:    

  Nov 13, 2012

Jesusmve(2, 0)

Review by Jesusmve

2 Contributions 0 People Helped

Solid card but don't get it for "miles"

I was approved for this card with a 690 credit score (credit karma has me listed as 716 though). It seems like a solid card to have, but I really wouldn’t get it for the “miles”. You need to basically spend $10,000.00 to get a $100.00 travel reward.  I already have an airline rewards card, so I didn’t get it for that reason but people looking into this card should keep that in mind.

vaughan27's response was:    

  Oct 16, 2012

vaughan27(1, 0)

Review by vaughan27

1 Contributions 0 People Helped

Helpful to 1 out of 1 people

I've had an account with them since 2005.  I haven't had any problems, and when someone was using my card fradulently--they promptly alerted me.  I love their rewards program, and their customer service.  I was in 720s in FICO when I got my card--with all my great money managment skills I got my FICO up to 793 without any mortage loans! :D. 

I'm not sure why people are giving bad reviews if they don't get accepted for the card.  I thought the reviews on using the card (not getting denied for the card).  Thanks for you time!

callarse1's response was:    

  Sep 15, 2012

callarse1(1, 1)

Review by callarse1

1 Contributions 1 People Helped

Helpful to 2 out of 6 people

everyone deserves a second chance in life to prove themselves.

macheneyred11's response was:    

  Aug 07, 2012

macheneyred11(1, 2)

Review by macheneyred11

1 Contributions 2 People Helped

Helpful to 2 out of 4 people

I applied with a 725 FICO and 763 Vantage Score and was declined.

fabby11's response was:    

  Jul 04, 2012

fabby11(2, 4)

Review by fabby11

2 Contributions 4 People Helped

See all 26 Reviews of Miles by Discover® Card

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.