Credit Card Review & Application

Miles by Discover


out of 5

- 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
- 0% APR for 6 months for purchases and balance transfers, 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! (2011 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

Introductory APR: 0%*
Introductory Period: 6 months
APR on Purchases: 10.99 - 19.99% (variable)*
Annual Fee: $0*
Card Issuer: Discover Bank
Card Network: Discover®
Card Category: Consumer (Regular)
Card Type: - Low Interest Card
- No Foreign Transaction Fee
- Reward Card
Credit Needed: Excellent*

Miles by Discover Card is a low interest credit card reserved for consumers having good credit. It's a travel rewards card offering numerous benefits including an enticing intro period.

The introductory APR period takes charge of interest on purchases and balance transfers. The intro period covers purchase interest over a long term while balance transfers are covered throughout a mid term period.

Card members are not required to pay an annual fee.

Online account management keeps card members in charge of their finance with up to date card transactions. An optional feature lets members opt to receive immediate alerts with each purchase for greater security.

Online transactions are made more sure when using secure online account numbers specially created for that purpose. Just in case, Discover still offers zero fraud liability to card members who fall victims to fraud and identity theft. A fraud specialist hotline assists those card members who need specialist assistance.

Travel accident insurance helps protect members against accidental dismemberment. In event this occurs, a spouse or other beneficiary is compensated. Auto rental insurance comes at no extra cost. Those card members who qualify will have rental cars insured on their behalf.

Card members who take advantage of the fee free travel rewards program will earn miles with every purchase. During the first 12 months in charge, card members earn 1,000 miles whenever they purchase an item for the month.

The first $3,000 in travel and restaurant purchases earns double miles, while everything else earns a single mile per $1 spent. Grocery purchases within a specified period also earn double miles. There is no limit to miles accruable and miles already earned do not expire.

For more miles, a card member may shop from Shop Discover, an exclusive online shop selling goods from reputable merchants.

Miles earned are used to redeem travel credit, cash, merchandise, and gift certificates. Members are allowed to book with any travel agent and there are seat restrictions or black out dates.

Miles by Discover Card could just be what you need. Timely email reminders help you stay away from accumulating card debt while avoiding late payment fees.

Interested persons are advised to go through card agreement before applying.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Types: - Auto Reward Cards
- Gas Reward Cards
Reward Unit: Miles
Rewards: - 1 Mile on every $1 you spend
- Flexible redemption options like travel credits, merchandise, gift cards or cash
- No limit on the Miles you earn and Miles don't expire*
Expiration: None
Yearly Limit: None
Other Benefits: - Various Internet account related services
- Up to $500,000 in travel accident insurance
- Auto rental insurance
- Fraud and security protection services
- Advanced fraud early warning alerts
Comments: * 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.
Online Account Access: Yes
Introductory APR: 0%*
Applied Towards: Purchases, Balance Transfer
Introductory Period: 6 months*
APR on Purchases: 10.99 - 19.99% (variable)*
Annual Fee: $0*
Grace Period: 25 days*
Min Finance Charge: 0.50%
Min Credit Line: $5,000
Max Credit Line: $50,000
Late Payment Fee: N/A*
Balance Transfer: Yes
Transfer Fee (%): 3.00%
APR Cash Advances: 24.99%

We do not offer online application for this card at the moment.

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* The information provided for Miles by Discover® is believed to be accurate at the time of evaluation (Jan 3, 2013). We strongly advise visitors to review the terms and conditions to verify accuracy of the information and fees posted prior to applying for the product.

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