Apply for the Discover Miles Card by clicking the "Apply Now" button and filling out the secure online application form.

Summary Review of the Discover Miles Credit Card

If you travel frequently by taking trips or on business, the Discover® Miles credit card is definitely worth looking at. It allows you to take advantage of several travel benefits, and rewards you well for using it during your travels, as well as on all other purchases you make.

Rewards

Earn Miles on all purchases, plus two miles for every dollar you spend on your first $3,000 in combined travel and restaurant purchases each year. Additionally, you will earn one Mile for each dollar you spend on all other purchases, including combined travel and restaurant purchases in excess of $3,000, annually.

You can receive up to 20,000 Bonus Miles; get 10,000 Bonus Miles for every $2,000 you spend using the card.

Rewards have no expiration date as long as you maintain an active account.

Benefits

There's no restriction on your travel, which allows you to fly on any airline, book any hotel, and get any car rental, with no blackout dates.

The Miles card offers a variety of flexible redemption options such as traveling credits, merchandise, gift cards or cash.

Purchases

There is currently no introductory annual percentage rate with this card.

Balance Transfers

You'll get a handy zero percent introductory Annual Percentage Rate for 12 months from date of your first transfer. The way this is set-up is really helpful because it means you don't have to make any transfers right away, and will still be able to take care of the 0% interest on balance transfers for a full twelve months, as long as you initiate the transfers before a certain date, determined by when you apply for the credit card.

When your intro APR expires your annual percentage rate will be 10.99-15.99% based on your credit worthiness and score. It's a variable rate that will vary with the market based on the current Prime Rate.

When you transfer balances there will be a 3% balance transfer fee for each transaction, and when you have a balance transfer balance the minimum payment due calculation increases by $40.

Other Rates and Fees

If you default on your agreement by making a late payment you could see your introductory and standard APRs rise to 15.99-21.99%, depending on your creditworthiness and other factors considered by Discover®. You will also be subject to a $35 late payment fee.

Whenever you get a cash advance by borrowing money from your credit limit using a cash machine, or get cash directly from your account using convenience checks, or by some other means, you will be charged either $10 or 5% of the amount of each cash advance, whichever is greater, and a 23.99% cash advance APR on the money borrowed.

There is truly no set-up fees, and no annual fee.

Credit Score

Our research indicates you'll need a higher than average credit score to get approved for the Discover Miles card. However, we've found some reports of people getting accepted with as low as a 690 score.

Customer Loyalty

You'll have the piece of mind knowing Discover has ranked #1 in customer loyalty by the Brand Keys Customer Loyalty Engagement Index report for sixteen years in a row!

* We make every reasonable effort to provide you with the most accurate offer information available; however, it's still important to review the terms and conditions set-forth on the credit card issuer's website. All credit card information is presented here without warranty of any kind. Click on the "Apply Now" button to review the Discover® Miles card application page and fill out the online application form.

Other Helpful Resources for Consumers

- FTC consumer information on credit and loans
- FRB's consumers guide to credit cards
- Official Discover Card website