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Miles by Discover® Card
Issued by Discover
Overall Rating

Benefit Rating

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Review
The Miles by Discover® Card, issued by Discover, is designed for those with very good credit who plan to take advantage of the travel rewards program.

Through the rewards program, cardholders earn double miles on up to $3,000 in travel and restaurant purchases and one mile for every dollar spent on general purchases. Earned miles can be redeemed for airfare or reduced airfare on most major U.S.-based airlines with no blackout dates. Miles can also be redeemed for gift cards from 50 brand-name partners or cash. Cardholders earn 1,000 bonus miles in every month that they make a purchase during the first year of cardmembership for up to 12,000 bonus miles. There is a maximum of 60,000 miles that may be accumulated per year, but miles will not expire as long as the account remains active within a 36-month period.

In addition, the card offers platinum benefits that include auto rental insurance, up to $500,000 in travel accident insurance, and various Internet account related services.

The Miles by Discover® Card has a 0% introductory rate on purchases and balance transfers for six months with no annual fee. The APR for this card is reasonable, although it is important to note that only higher qualifying applicants will receive the lowest rate available.

Therefore, those who plan to take advantage of the introductory rate and the rewards program will benefit most from what the Miles by Discover® Card has to offer.
Updated: July-31-09
Most Attractive Feature(s) : 0% introductory rate; reward program; bonus miles.
Least Attractive Feature(s) : Low rate not available to all applicants.
 
Note: The review on this card was updated on July-31-09. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
Specifics
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Card Category: Reward - Travel

Introductory Rate : 0% Intro APR*

Applied Towards : Purchases, Balance Transfers

Introductory Rate Details : *There is a 0% introductory APR on purchases and balance transfers for 6 months. See terms and conditions for complete details.
 

Annual Fee : $0

Additional Cardholders : $0

Grace Period : 25 Days (Min.)

Minimum Credit Limit : n/a

Maximum Credit Limit : n/a

Late Payment Fee : $19 on balances up to $250; $39 on balances over $250

Over-The-Limit Fee : $15 on balances up to $500; $39 on balances over $500

Cash Advance Fee : 3%, $5 minimum

Balance Transfer Fee : 3% for each balance transfer made under this offer

Reward Program Details

Miles per Dollar : 1 Mile

Additional Miles : Earn double miles on up to $3,000 in travel and restaurant purchases.

Mile Details : Miles can be redeemed for airfare or reduced airfare on most major U.S.-based airlines with no blackout dates. Miles can also be redeemed for gift cards from 50 brand-name partners or cash.

Expiration : None (Account inactivity for more than 18 months could result in the forfeiture of some or all of the Cashback Bonus.)

Yearly Limit : None

Bonus Miles Other : 12,000 Miles**

Bonus Miles Details : **Cardholders will receive 1,000 bonus miles every month they make a purchase during the first year.

Perks / Notations

Additional Perks

Various Internet account related services.
Up to $500,000 in travel accident insurance.
Auto rental insurance.
Fraud and security protection services.
See website for additional benefits.

Important Notations

See the online Discover 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 "Apply Here" button, you can review the credit card terms and conditions on Discover's website.

Additional Information

Apply Online for the Miles by Discover® Card.

See other cards issued by Discover
 

APR (Purchases) : 10.99% - 16.99% (V)*
The APR for purchases is based on the Prime Rate.

APR (Cash Advances) : 23.99% Variable

Finance Configuration : Average Daily Balance (including new purchases)
 
Credit Card Reviews - Ratings are based on the CardOffers.com rating system. Posted ratings should not be the only factor in helping you decide which credit card is right for you. Reviews are believed to be accurate during time of evaluation; however, information posted may change after the review date. By entering this page you agree to the Terms and Conditions of CardOffers.com. Learn more about the Partnership Network .

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