Discover it® Miles
Discover and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Discover. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Discover it® Miles from Discover earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.5% back.
What does the Discover it Miles earn in each category?
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Discover it Miles compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Discover it Miles compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Discover it Miles?
The Discover it Miles fits spenders who put meaningful volume in dining and can earn 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back.
Discover it Miles fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 35% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5% back.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Discover it Miles have an annual fee?
The Discover it Miles has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Discover it Miles?
The Discover it Miles includes 1.5x miles on every dollar of every purchase, 2x miles your first year with Discover Match®, FICO® Credit Score in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
FICO® Credit Score
$25/yrDiscover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.
1.5x miles on every dollar of every purchase
There's no limit to how many Miles you can earn. And however you redeem, Miles have the same value.
2x miles your first year with Discover Match®
We'll automatically match all the Miles you earn at the end of your first year. You could turn 35,000 Miles to 70,000 Miles, which is $700 all for you. No minimum spending requirement on your new card.
Related encyclopedia topics
Common questions about the Discover it Miles
Is Discover It Miles a good credit card?
Dining is the strongest Madeen category for the Discover it Miles at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
How much is 40,000 miles worth on a credit card?
Dining is the strongest Madeen category for the Discover it Miles at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
What are the benefits of Discover Miles card?
Dining is the strongest Madeen category for the Discover it Miles at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Discover it Miles have an annual fee?
The Discover it Miles carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Discover it Miles?
Dining is the strongest Madeen category for the Discover it Miles at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Discover it Miles charge foreign transaction fees?
The Discover it Miles does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
How does the Discover it Miles compare to similar cards?
Compare the Discover it Miles against Discover it Cash Back (5% on Dining, $0 fee); Discover It Student Cash Back (5% on Dining, $0 fee); NHL Discover It (5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Discover it Miles This card | Dining | 1.5% | $0 |
Discover | Dining | 5% | $0 |
Discover | Dining | 5% | $0 |
Discover | Dining | 5% | $0 |
| Dining | 2% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Discover and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Discover. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure