Discover it Miles
This card is for people who want simple travel rewards with no annual fee and no booking portal. Every purchase earns 1.5x miles, and 100 miles are worth $1 as cash or travel credit. Discover matches every mile earned in the first year with no minimum spend, and purchases and balance transfers get 0% intro APR for 15 months. The caveat: after the first-year match it is a flat 1.5x with no bonus categories, and a balance transfer fee applies.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- First-year Miles Match with no cap
- Redeem for cash or travel credit at 100 miles = $1
- 0% intro APR for 15 months on purchases and balance transfers
- Annual fee: $0
- Regular purchase APR: 17.49% - 26.49% Variable
- Intro purchase APR: 0% for 15 months
- Intro balance transfer APR: 0% for 15 months
- Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late payment fee: Up to $41
- Rates and offers verified on the issuer's website on September 30, 2026 and may change.
- You want travel rewards without an annual fee or a booking portal.
- You like a first-year match with no spending target.
- You want 15 months at 0% on purchases or transferred balances.
- You should skip it if you spend heavily in a few categories: a flat 1.5x pays less there than a tiered card.
Score guess
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Your guess: 700
Approved at 670 to 739
Approval results for this card
29 results: 27 approved, 2 denied. Approval rate 82% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 740 to 799 | Not sure | - | - | Feb 2026 |
| Approved | 740 to 799 | Experian | $150k and above | NY | Oct 2024 |
| Approved | 670 to 739 | Experian | $50k to $75k | NY | Jul 2024 |
See all 29 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
