| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Purchases
Automatically earn unlimited 1.5x Miles on every dollar of every purchase with no category restrictions, no activation required, and no cap on miles earned.
|
1.5x | Miles | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
First Late Payment Fee Waiver
Discover waives the late payment fee the first time a cardholder pays late; subsequent late payments may incur a fee of up to $41.
|
Financial | Fee waived (first occurrence) |
|
Instant Use Virtual Card
Eligible approved applicants can spend immediately with a virtual card number before their physical card arrives in the mail.
|
Financial | Complimentary |
|
Intro APR on Purchases and Balance Transfers
Eligible new cardholders receive a 0% introductory APR on purchases and balance transfers for a promotional period from account opening; an intro balance transfer fee also applies during the promotional window.
|
Financial | 0% intro APR for promotional period |
|
No Annual Fee
The Discover it® Miles carries no annual fee for the life of the account.
|
Financial |
$0
Up to $0
|
|
No Foreign Transaction Fee
Discover charges no foreign transaction fee on international purchases made with this card.
|
Financial |
$0
Up to $0
|
|
No Overlimit Fee
Discover does not charge an overlimit fee if the cardholder's balance exceeds their credit limit.
|
Financial |
$0
Up to $0
|
|
No Penalty APR for Late Payments
Discover does not raise the purchase APR as a penalty for late payments, regardless of payment history.
|
Financial | Complimentary |
|
100% U.S.-Based Customer Service
Cardholders have 24/7 access to live U.S.-based customer service agents by phone or messenger app; certain specialized agents may not be available at all hours.
|
Lifestyle | Complimentary |
|
Free FICO® Credit Score Access
Cardholders receive free access to their FICO® Credit Score (Score 8, based on TransUnion data) on monthly statements and online, along with key factors affecting their score.
|
Lifestyle | Complimentary |
|
Free Overnight Card Replacement
Discover provides free overnight shipping for a replacement card to any U.S. street address upon request if the card is lost or stolen; not available for P.O. boxes or international addresses.
|
Lifestyle | Complimentary |
|
1.5x Miles on All Purchases
Automatically earn unlimited 1.5x Miles on every dollar of every purchase with no category restrictions, no activation required, and no cap on miles earned; each Mile equals $0.01 in redemption value.
|
Rewards | 1.5x Miles (unlimited) |
|
Flexible Miles Redemption
Miles can be redeemed for any amount as a statement credit for travel purchases, direct deposit to a bank account, credit toward Amazon.com or PayPal purchases, gift cards, or charitable donations; Miles never expire for the life of the account.
|
Rewards | No minimum redemption |
|
Miles Match (First-Year Welcome Bonus)
At the end of the first cardmember year, Discover automatically matches all Miles earned dollar-for-dollar with no minimum spend requirement and no cap; exclusively available to new cardmembers.
|
Rewards | Unlimited dollar-for-dollar match |
|
$0 Fraud Liability Guarantee
Cardholders are never held responsible for unauthorized purchases made on their Discover card, provided they have not shared card access with another person or merchant.
|
Security |
$0 liability
Up to $0
|
|
Dark Web Social Security Number Alerts
Discover monitors thousands of dark web sites and alerts the primary cardmember if their Social Security number is detected; requires free activation and a valid email address on file.
|
Security | Complimentary |
|
Discover Identity Alerts
Discover monitors the cardmember's Experian credit report and sends alerts for new inquiries or newly opened accounts in addition to dark web SSN monitoring; free to activate.
|
Security | Complimentary |
|
Freeze It® Account Freeze
Cardholders can instantly freeze their account via the Discover mobile app or website to block new purchases, cash advances, and balance transfers if the card is lost or misplaced; recurring transactions and payments continue.
|
Security | Complimentary |
|
Online Privacy Protection
Approximately every 90 days, Discover scans at least 10 popular people-search websites for the cardmember's personal information and assists in submitting opt-out removal requests; available free via the Discover mobile app.
|
Security | Complimentary |
|
Travel Statement Credit Redemption
Miles can be redeemed as a statement credit for travel purchases including airfare, hotels, rideshares, gas stations, restaurants, and more, with each Mile worth $0.01; redemptions can be applied to travel purchases made within the past 180 days.
|
Travel | 1 cent per Mile |
