Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- No annual fee
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$360/yr
$360 rewards
#43 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$390/yr
$390 rewards
#47 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$420/yr
$420 rewards
#48 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
1.5x
Grocery
1.5x
Gas
1.5x
Flights
1.5x
Hotels
1.5x
Other Travel
1.5x
Online Shopping
1.5x
Rideshare
1.5x
Streaming
1.5x
Amazon
1.5x
Costco
1.5x
Other
1.5x
Apple
1.5x
Cell Phone
1.5x
Fast Food
1.5x
Home Utilities
1.5x
Internet
1.5x
Walmart
1.5x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
Unlimited 1.5x miles on all purchases. Miles Match: Discover matches all miles earned in the first year. No annual fee.
Discover it Miles FAQ
What is the Discover it Miles annual fee?
The Discover it Miles has no annual fee.
What are the best spending categories for the Discover it Miles?
1.5x on flights, 1.5x on hotels, 1.5x on other travel. Everything else earns 1.5x.
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