About the card

Whether you have excellent credit, average credit or a little less than average credit the Miles by Discover® Card can be yours.  The Miles by Discover® Card is a reward card that allows cardholders to earn free air miles. 

The basics

• Purchase APRs between10.99% and 18.99% depending on your credit history
• 23.99% APR on Cash Advances
• No annual fee
• 25 day grace period on purchases
• Late fee:  $19 for balances of $250 or less, $39 for balances over $250
• Over the limit fee:  $15 for balances of $500 or less, $39 for balances over $500
• 3% fees on cash advances ($5 minimum and no maximum)

The perks

• 0% APR for 12 months on balance transfers made in the intro period
• Intro 0% APR on purchases for the first six months
• Earn unlimited miles
• Earn 1 miles for every $1 purchase
• Earn double miles on restaurant and travel purchases (6,000 mile limit)
• Earn double miles when you shop at over 60 retailers through ShopDiscover (features popular retailers such as Lane Bryant, JoS A. Bank, Hallmark, Apple, Lands’ End and Sears)
• Miles never expire (but account will automatically be closed if inactive for 18 months)
• Miles can be used for travel booked through any airline, travel agent or online travel site
• Not flying anytime soon, then redeem miles for gift cards or even cash
• Earn 1,000 bonus each month when you make a purchase during the year
• Complimentary insurance when you pay using your Miles by Discover® Card –  $25,000 coverage in car rental insurance and $500,000 in flight accident insurance

You will like this card if you are looking for a excellent reward card with excellent perks with a reasonable APR.

You won’t like this card if you … (nah… you’ll love this card!)

Credit card review

I really like the Miles by Discover® Card.  It allows you to earn unlimited miles and the miles never expire.  And the best part about these miles is that it is not limited to one airline.  Miles can be used on any airline and can even be used at sites like Expedia or Travelocity.

But if you don’t want miles, the Miles by Discover® Card allows you the flexibility to redeem your miles for other goodies, like gift cards or cash.  So your miles card can also act like as a cash rebate card. 

On top of that, the credit terms are pretty generous for a reward card.  With most reward cards, the terms are not as favorable when compared to non reward cards.  But this is not true with the Miles by Discover® Card.  There is no annual fee.  The interest rate is as low as 10.99% and the grace period is 25 days! 

And… this is a card for everyone.  Even if your credit score needs improvement, you may be approved for this card.  The APR may by as high as 18.99%, but the Miles by Discover® Card is a heck of a deal, especially when compared to clunkers like this.

I have nothing negative to say about the Miles by Discover® Card.  It is an first rate card and everybody should have one!

Overall rating

I give it 5 out of 5 stars.

Apply for your Miles by Discover® Card here.