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Discover it Miles – 3% Back Everywhere (For 1 Year)
I had been hearing rumblings of a new card from Discover focused more on travel as opposed to cash back. Today Discover finally made the Discover it Miles card official. (Thanks to Frequent Miler for tipping me off and providing amazing insight.)
Just like the normal Discover it, the new Miles card carries no annual fee and provides a free FICO score, but there are many differences as well. Lets take a look at the card in depth.
First off, “Miles” are earned at 1.5X on all purchases. All miles are worth $.01 and there are no bonus categories. Essentially this is a 1.5% cash back card. Not great when compared to the Arrival Plus (my review) or Citi’s Double Cash, but that isn’t the end of the story.
While you won’t get anything other than a 0% promotional offer for signing up, Discover will double the miles you earn at the end of your first year. So basically, this card pays 3X on all purchases the first year. Good stuff!
The Discover it Miles card has a few unique travel features:
- Free overnight card replacement at home or away, to any U.S. street address at your request.
- $30 back each year for in-flight Wi-Fi purchases.
- Redeem your miles for any amount to credit your travel purchases from your statement or get the cash at any time.
I guess the free overnight replacement would be good if you lose your card while traveling in the U.S., however I don’t see that as much of a benefit. The $30 in free Wi-Fi is nice though and I am glad that brought in the same “any amount” redemption model the regular Discover it card has.
With its first year 3X earning, the Discover it Miles is perhaps the best card for everyday non-bonused spend. Unfortunately that truth doesn’t hold up until after the first 12 months, but this is a new product and things can always change.
If you can only get either the regular Discover it (my review) or the Miles version of the card, I would have to say the new Miles version wins out. 3X everywhere is just too good to pass up even if it is only the first year.
I have made it clear on several occasions that I am a huge fan of Discover. This card has a unique take on the Discover model, but it still has the great benefits I have grown to love from the bank. With the addition of 3X everywhere the first year, I think they have a winner and a contender for a top spot in your wallet.
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