Bottom Line

There are rare cases under which we would ever recommend this card. It's a super card if you're a college student. But that's about it. The card lacks -- most importantly, a sign-up bonus.

Why You Might Want This Card

No Sign-Up Bonus -- But No Limits Either

Discover It Miles card offers to match every single mile you earn in your first year -- with no cap. You'll earn 1.5 miles per $1, so you’re essentially earning 3x miles per $1 for your first year. There are no categories to keep track of and no award charts or black-out dates. You can rack up the miles and then redeem for cash back or statement credit toward travel as long as it’s within the last 180 days.

Spend Without Being Charged

Sometimes you can get something for nothing ... and this is one of those times. You can get miles back for $0 annual fee and 0% interest on all purchases for the first 14 months. Ok, maybe not “nothing” because it does still cost you a hit to your credit when you apply for a new card, and it will still count against your 5/24 Chase rule. But all things considered, this can be a great card to put all your spendings on for at least your first 12 billing cycles. Then maybe just put it in a drawer and use it every few months to build your credit up. It's a super card for college students to apply for -- but not really for people collecting points.

Exceptions To The Rule

About Discover IT Miles

When it comes to the Tortoise and the Hare, Discover IT Miles are definitely the Tortoise. What you don’t get is a big, easy sign-up bonus. What you do get is a match of rewards in your first 12 months. Discover will match all of your miles earned. It doesn’t take a rocket scientist to figure out, the more you spend the more you get back. It’s a simple miles scheme and no keeping track of spending categories.

Redemption is just as easy: log into your Discover account and use miles toward travel purchases, cash back or Amazon purchases. Steadily earn and steadily redeem with no annual fee. There’s no commitment, just a slow consistent earning stride.

Where Discover It Miles Fits In This Point Ecosystem

Personal Experience