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Discover it® Miles
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Score Needed: Good to Excellent
Discover it® Miles
At a glance
Welcome Offer

2 x Cash Back with Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically

Limited Time Offer
New Offer
All time high
Rewards
No items found.
2X
Points on other purchases
Intro APR
N/A
Balance Transfer Intro
N/A
Regular APR
Annual Fee
$0
Discover it® Miles
Application Tips
Get the best results with each application
Thinking About 2 Cards? 2 cards in 12 months

No reconsiderations

Limit Increase
Credit Inquires
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Pulls primarily from Experian, but can use TransUnion or Equifax if Experian is frozen.
Application Inquires Credit inquiries for same-day applications will be combined. Note, Discover will only approve you for one credit card application within every twelve months. (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
Welcome Offer Eligibility:
Downgrade Options
Getting your card
Rescore your report: To update your balance off-cycle, call 1-800-347-3085 (or chat with them online) to get your balance updated off-cycle. The update will take up to 48 hours.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
Reward Terms
No items found.

Miscellaneous Benefits

FICO® Credit Score

Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.

Credits

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.

Extra Redemption Value

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.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your to any of the following Discover Travel Partners.
Points Transfer Partners
Ratio
Transfer Partner
Transfer Time
Ends
Type
No transfer partners found
Fees
Fees you may encounter as a cardmember
See Rates and Fees
Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
foreign_transaction_fee

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Considerations

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More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?
There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing
Is it possible to reallocate my credit limit from a personal Chase card to a business card?
No, you can only transfer credit limits from personal to personal or from business to business within Chase.
Does obtaining a credit limit increase from Chase involve a credit check?
No, Chase does not pull credit for a credit limit increase.
Additional resources
Travel & Shopping
Top 9 Cards for Online Shopping
links to article
Financial Planning
Why Every Business Should Have a Line of Credit
links to article
Financial Planning
Unsecured Line Of Credit. What It Is And How To Get One
links to article
Travel & Shopping
The 9 Best Cards for Online Shopping
links to article