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Miles by Discover® Card

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  • 12,000 bonus miles - 1,000 miles each month you make a purchase for the first 12 months
  • 1 Mile for every $1 on all your other purchases
  • See the online Discover credit card application for details about terms and conditions.

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Card at-a-glance

How does this card rate against all cards on the market?

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Rates & Fees Summary:

  • Intro purchase rate: 0%
  • Purchase rate: 11.99% - 18.99%
  • Intro balance transfer rate: 0%
  • Balance transfer rate: 11.99% - 18.99%
  • Annual Fee*: N/A
  • Balance transfer fee*: N/A

Rewards Summary:

  • Sign-up Bonus: 12,000 miles after 12 purchases
  • Base earning rate: 1 mile / $1
  • Max earning rate: 2 miles / $1
  • Bonus Categories: Cruises, Restaurants, Hotels, Airfare, Car Rentals
  • Total Earning Limit: None

Card rates and fees

Select a credit rating to view corresponding estimated rates:
Purchase rate* 0% 11.99% - 18.99%
Balance transfer rate* 0% 11.99% - 18.99%
Cash advance rate* N/A 23.99% (variable)
Default rate* N/A 29.99% (variable)
Purchase rate* 0% 11.99% - 18.99%
Balance transfer rate* 0% 11.99% - 18.99%
Cash advance rate* N/A 23.99% (variable)
Default rate* N/A 29.99% (variable)
Purchase rate* 0% 11.99% - 18.99%
Balance transfer rate* 0% 11.99% - 18.99%
Cash advance rate* N/A 23.99% (variable)
Default rate* N/A 29.99% (variable)
Purchase rate* 0% 11.99% - 18.99%
Balance transfer rate* 0% 11.99% - 18.99%
Cash advance rate* N/A 23.99% (variable)
Default rate* N/A 29.99% (variable)
Purchase rate* 0% 11.99% - 18.99%
Balance transfer rate* 0% 11.99% - 18.99%
Cash advance rate* N/A 23.99% (variable)
Default rate* N/A 29.99% (variable)
Annual Fee* $0.00
Balance transfer fee* 3%
Cash advance fee* 3% (minimum of $5.00) for first year
5% (minimum of $10.00) for following years
Late payment fee* $19.00 for account balance between $0.00-$250.00
$39.00 for account balance greater than $250.01
Over credit limit fee* $15.00 for account balance between $0.00-$500.00
$39.00 for account balance greater than $500.01
Foreign currency fee* 2%
Min finance charge* $0.50
Balance transfer fee* 3%
Cash advance fee* 3% (minimum of $5.00) for first year
5% (minimum of $10.00) for following years
Late payment fee* $19.00 for account balance between $0.00-$250.00
$39.00 for account balance greater than $250.01
Over credit limit fee* $15.00 for account balance between $0.00-$500.00
$39.00 for account balance greater than $500.01
Foreign currency fee* 2%
Min finance charge* $0.50
Balance transfer fee* 3%
Cash advance fee* 3% (minimum of $5.00) for first year
5% (minimum of $10.00) for following years
Late payment fee* $19.00 for account balance between $0.00-$250.00
$39.00 for account balance greater than $250.01
Over credit limit fee* $15.00 for account balance between $0.00-$500.00
$39.00 for account balance greater than $500.01
Foreign currency fee* 2%
Min finance charge* $0.50
Balance transfer fee* 3%
Cash advance fee* 3% (minimum of $5.00) for first year
5% (minimum of $10.00) for following years
Late payment fee* $19.00 for account balance between $0.00-$250.00
$39.00 for account balance greater than $250.01
Over credit limit fee* $15.00 for account balance between $0.00-$500.00
$39.00 for account balance greater than $500.01
Foreign currency fee* 2%
Min finance charge* $0.50
Balance transfer fee* 3%
Cash advance fee* 3% (minimum of $5.00) for first year
5% (minimum of $10.00) for following years
Late payment fee* $19.00 for account balance between $0.00-$250.00
$39.00 for account balance greater than $250.01
Over credit limit fee* $15.00 for account balance between $0.00-$500.00
$39.00 for account balance greater than $500.01
Foreign currency fee* 2%
Min finance charge* $0.50
*See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information, however you should review all credit card terms and conditions on the card issuer's website after clicking "Apply Now". Best efforts are made to match you with cards you will qualify for based on your indicated credit level/FICO score, however issuers evaluate several factors with your application and BillShrink is unable to guarantee approval.
Rewards
Rewards Program Features  
Rewards Program Discover Miles
Reward Units Miles
Rewards Expiration None
Total Earning Limit None
Sign-up Bonus 12,000 miles after 12 purchases
Airfare 2 miles per each $1 spent up to $3,000, 1 mile per each $1 spent above $3,000.01
Car Rentals 2 miles per each $1 spent up to $3,000, 1 mile per each $1 spent above $3,000.01
Cruises 2 miles per each $1 spent up to $3,000, 1 mile per each $1 spent above $3,000.01
Hotels 2 miles per each $1 spent up to $3,000, 1 mile per each $1 spent above $3,000.01
Restaurants 2 miles per each $1 spent up to $3,000, 1 mile per each $1 spent above $3,000.01
All Other Purchases 1 mile per each $1 spent
Features and Benefits
Category Consumer
Network Discover
Min Credit Level Good (700 - 749)
Instant Approval No
No Annual Fee Yes
Rewards Program Yes
Grace Period 25 days
Method For Computing Balance Average Daily Balance
Universal Default No
Revolving Credit Yes
Secured Card No
Fraud specialists dedicated to helping you 24/7
Live phone support within 60 seconds, guaranteed
Timely e-mail reminders to help you avoid fees
Easy online servicing options that put you in control
Shop protected with Secure Online Account Numbers
$0 Fraud Liability guarantee and advanced fraud early warning alerts
Credit Cardholders' Bill of Rights compliance
Congress has expanded your rights as a credit card holder!
Click here to read about these rights or browse this card's compliance below.
How does this card comply?
Protection from arbitrary rate increases
The right to have rates reviewed and reduced
Fair allocation of payments
No universal default
No double-cycle billing
No fees for paying your bill
Protection from due date gimmicks
Enough time to pay your bill
Education on dangers of minimum payments
Protection of young cardholders
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