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Discover Miles Credit Card

Miles by Discover®

- 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

(4.0 out of 5.0)

Information - Rates - Fees

Intro APR:

0%*

Applied Towards:

Purchases
Balance Transfer

Intro Period:

6 months*

APR:

10.99 - 19.99%*

APR Type:

variable

Annual Fee:

$0*

Issuer:

Discover Bank

Card Network:

Discover®

Card Category:

Consumer (Regular)

Card Type:

Low Interest Credit Card
No Foreign Transaction Fee Credit Card
Reward Card

Credit Needed:

Excellent*

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 Transfers

Balance Transfer:

Yes

Transfer Fee (%):

3.00%

Cash Advances

APR on Cash Advances (%):

24.99%

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.

Review by CreditCardsBay™

The Miles by Discover credit card offers a long term introductory APR period on purchases. Balance transfers also qualify for the intro period but are covered only throughout a mid term period. Consumers having good credit may apply for this card to earn up to 12,000 bonus miles during the first year.

Miles earned are used to redeem cash, free merchandise from reputable merchants, gift certificates, and travel credit. With enough travel credit, the card member becomes eligible to redeem travel credit for a free flight to a destination of choice. Members are not limited by yearly limits or expiration dates.

No annual fee is charged.

Secure online account numbers help protect card members from revealing their credit card numbers during online transactions.

Features

Most attractive:

- 0% introductory rate
- Reward program
- Low APR on Purchases

Least attractive:

- "Two Cycles Average Daily Balance" method used to determine finance charges

Rewards & Benefits

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

Online Access:

Yes!

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 posted prior to applying for the product.