We decided to spend the morning reviewing some no annual fee credit cards and Miles by Discover Card was a definite pick in this category. Who doesn't like saving money by ruling out a yearly fee? We sure appreciate this, and found this card to be perfect for those who travel. See what we ran into with this credit card below.
About Miles by Discover Card
Miles by Discover Card is the frequent traveler's dream come true. By offering cardholders double miles on up to $3,000 of travel purchases and one mile for every dollar spent on general purchases. Discover is making it easy to accrue the miles needed for that trip you've been wanting to take. During the first year, cardholders will also receive 1,000 bonus miles for each month that they use their card.
Website Navigation:
We found the Miles by Discover Card website to be very user-friendly. The credit card application was integrated into the front page of the site and the links to the terms and conditions and privacy policy were also readily accessible from the homepage.
Star Reviews' Favorite Feature:
For customers who like to travel, the fact that miles can be redeemed with almost any major U.S. airline and without blackout dates makes this credit card very appealing.
Features:
- Earn 1,000 bonus miles each calendar month you make a purchase for a total of 12,000 bonus miles your first year
- Book any travel, anytime with no blackout dates or restrictions
- Double Miles on up to $3,000 in travel and restaurant purchases each year
- 1 mile for every $1 on all your other purchases
- Unlimited miles that never expire*
- Redeem for travel credits to your account, gift cards from any of our 70 brand-name partners, or cash starting at just 1,000 miles
- No annual fee
Rewards:
Miles by Discover Card offers 2 miles for every dollar spent on the first $3,000 of travel-related purchases. Miles are also earned at a rate of 1 mile per every $1 spent on general purchases. Discover is also offering 1,000 bonus miles for each month the card is used during the first year.
Introductory Offers:
Miles by Discover Card is currently offering a 0% intro APR on purchases and balance transfers for 12 months.
Standard Terms:
- 10.99 percent to 17.99 percent variable interest rate on purchases
- 22.99 percent fixed interest rate on cash advances.
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No annual fee.
- No added cost for additional cardholders.
- 25-day grace period.
- $5,000 minimum credit line, $50,000 maximum credit line.
- $15 late payment fee on balances up to $500, $39 on balances above $500.
- $15 over-the-limit fee on balances up to $500, $39 on balances above $500.
- 3-percent cash advance fee with a minimum of $5.
- 3-percent balance transfer fee
- 0% Intro APR* on Purchases and Balance Transfers for 12 months
- Double Miles on Travel and Restaurant Purchases-up to $3,000 Each Year
- 1 Mile For Every $1 You Spend on All Your Other Purchases - Personal and Business
- Unlimited Miles That Never Expire as Long as You Use Your Card
- Book it Through Any Airline, Travel Agent or Online Travel Site
- In-House Customer Service and Redemption
- View Discover® Card Rates, Fees, Rewards and Other Important Information
Customer Support:
Customer support for Miles by Discover Card is available via phone and through an online FAQ database. Email support is available to registered users (although you must already be a card holder to register at the site).
When we called Discover's phone support via the toll-free number, the system kept asking us for our account number. After continuously pressing buttons, we were finally put on hold to speak with a live representative. Our hold time was approximately five minutes. The rep was able to answer our questions, although it seemed more like a mechanical response in regards to the answers we received.
Upside:
Opportunities for bonus miles, no annual fee, 25-day grace period.
Downside:
It was difficult to find any downsides with this card! Ok, a looping telephone customer support line.