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Tuesday, 7 January 2020

Discover It Miles Credit Card Review - Anniversary Air Miles Match Promise - $500 Referral Bonus Available - 1.5X Air Mile Per Dollar

Discover It Miles Credit Card Review


Travelling to far flung corners of the world has always been a passion for me and the Discover It Miles Credit Card has helped me go places I thought I'd never be able to go.

The Discover It Miles Credit Card reward card is a fantastic card to have in your wallet. The air miles reward card has some fantastic features such as unlimited miles match in the first year as well as 1.5X air miles earned for every dollar spent. 

You can quickly build up your air miles using the Discover It Miles Credit Card and many people on Reddit and NerdWallet have earned insane amounts of air miles by maximizing the air miles reward. In a nutshell, this is a card you want in your wallet if you want to travel the world.


Discover It Miles Credit Card Features

The Discover It Miles Credit Card has some excellent features, this card will help you see the world if you manage your credit card account properly. Here are some of my favourite features of the Discover It Miles...

Feature 1: The Discover It Miles Credit Card has an unlimited Bonus Promise. Basically, it will match all the air miles your have earned in 12 months and deposit the points to your reward account. Suppose you earn 40,000 air miles in one year Discover It will match it and credit your with another 40,000 air miles. Just so SWEET.

Feature 2: With the Discover It Miles Credit Card you will earn a hefty 1.5X Miles for every 1 dollar your spend on all purchases, there are no exceptions, you can spend on anything and still earn rewards.

Feature 3: The Discover It Miles Credit Card has no blackout dates, this means you can travel whenever you want. You can use your points to purchase rental cars, hotels, and airline tickets. The process is simple and it's great for someone whose just starting out with air miles reward.

Feature 4: Don't feel like flying? The Discover It Miles Credit Card gives you an option where the Miles pay you back. You can either use your points to redeem travel purchase on your statement balance or you can just get cold hard cash.

Feature 5: The Discover It Miles Credit Card Online account is one of the best I've seen. It's very intuitive and you can freeze your account whenever you want. You can use the website or mobile APP for purchases, cash advances and balance transfers. 

Feature 6: You can monitor your credit score using the Discover It Miles Credit Card. You will get a free credit scorecard with your FICO credit score. This will help to keep an eye on your credit score and help you improve it.

Discover It Miles Credit Card FICO Requirements

The Discover It Miles Credit Card is very sought after, any card that gives 1.5X air miles will always be in demand. To get this air miles credit card you need to be smart and check your credit report properly before you apply.

To apply for this air miles reward card you will need a FICO score of 700+, you will need Good credit or above. I always try to increase my credit score 50+ compared to the required level to ensure that I approve, it's not worth wasting a credit inquiry and getting declined.

Also worth mentioning, you will need a minimum of 3 years credit history. You will have a better chance of being approved if your credit utilisation ratio is very low. Also, as a precaution go through your credit report and contact fraud reference agencies to see if there are any nasty fraud markers on your account. When you've done all that you're good to go and there is a high probability you'll be approved.

Maximize Discover It Miles Credit Card Air Miles


Savvy air mile travellers always make their points go further so they can travel more. To do this you need to maximize your air miles reward points. The Discover It Miles Credit Card has ample opportunities to maximize and within a year you can collect enough points to go on a decent holiday. 

There are people on Reddit who are absolutely rinsing this card and making a fortune in air mile rewards. I have taken some of the best strategies and listed them below...

Strategy 1: The Discover It Miles Credit Card doesn't have an initial bonus. However, Discover It promises to match all the points your earn in the first 12 months. In my first year I spend $30,000 and earned 45,000 points. Discover It then matched the points and I ended up with 90,000 which was a decent holiday!

Strategy 2: The Discover It Miles Credit Card has a very lucrative referral program which pays $50 for every person that's successfully approved for the card through your referral link. You can refer 10 people year. If you play your cards right that's $500 in referral bonus every year to use as your holiday money!

Strategy 3: There is no upper limit in terms of spending on the Discover It Miles Credit Card and you can earn 1.5X Air Miles. What you have to do is put everything you spend on this air miles reward credit card. You should also take out additional cardholders who can help you accumulate more points. Give a card to your partner and make plans to fly away!

To get the most out of the Discover It Miles Credit Card you have to put all, and I mean all your expenditure through this credit card. don't spend any cash at all. The air miles do build up slowly but surely. Your aim should be to spend as much as you can in the first 12 months, so if you have a large expenditure you've planned you need to put it on this card.

Discover It Miles Credit Card Review FAQs


I always get questions about the Discover It Miles Credit Card so I thought I would create a mini FAQ with 20 frequently asked questions. If you have any other questions please leave a comment below or send me an email. 

The bottom line is this is a fantastic card for air miles rewards. The 1.5X points make it one of the best air miles reward card. This credit card is also great if you plan to spend big over a period of 12 months because your get your points matched. Finally, this card will help you go on a vacation if you play your cards right and take advantage of all the offers.

Q1: What credit score do you need for a Discover It Miles credit card?

To apply for the Discover It Miles credit card you will need a FICO credit score of 700+. You should also have at least 3 years credit history and no adverse data on your credit report. It will help if your credit utilisation ratio is under 30%.

Q2: Is Discover It Miles Credit card a good credit card?

The Discover It Miles is a good credit card for people who like the idea of being rewarded by air miles for every dollar they spend on their credit card. 

You get a very lucrative 1.5X Miles for every dollar you spend and Discover promise to match your rewards after 12 months. There is no annual fee and no restrictions on how much or where you spend. 

Q3: Can you get a Discover It Miles credit card with bad credit?

You will not get a Discover It Miles credit card with bad credit. The minimum you will need is Good credit and a FICO score of 700+. You should take at least 6 to 12 months to work on your credit to reach the 700 threshold.

Q4: Is Discover It Miles better than Capital One Venture Rewards?

Both cards have some amazing features. The Capital One Venture just edges it for me because it offers 2X Miles for ever dollar spend compared to 1.5X with Discover It Miles. However, Discover It Miles do promise to match your air miles after 12 months. 

Q5: Which is better Discover or AMEX?

Generally, American Express is better for travel reward cards, and Discover It has better offers for cashback rewards.

Q6: Does Discover It Miles approve instantly?

Your credit application for the Discover It Miles will approve instantly if you reach the required threshold. If there are any data on your credit report that needs to be checked you may be issued with a conditional approval.

Q7: What is the average credit limit for Discover it Miles credit card?

The lower credit limit on a Discover It Miles credit card is $300 and the upper credit limit is $20,000. Typically on approval you are expected to receive a credit limit of $3000.

Q8: Does Amazon accept Discover It Miles credit card?

Amazon accepts Discover It Air Miles Credit Card and you will receive 1.5 air miles for every dollar you spend on Amazon.

Q9: How long does it take to get approved for a Discover credit card?

Depending on your credit report you could be approved instantly or your application could be referred for further checks. You will either get a decision instantly or it could take up to 5 working days. Once approved for the Discover It Miles credit your card will be delivered to you within 7 - 10 working days.

Q10: What is the highest credit limit for the Discover It Miles Credit Card?

The highest credit limit for Discover It Miles credit card is $20,000.

The highest credit limit for Discover It Cashback is $15,000.

The highest credit limit for Discover It Balance transfer is $25,000.

Q11: How often does Discover It Miles increase credit limit?

Discover It Miles credit card will consider increasing your credit limit every 6 months since last credit limit increase request.

Q12: Does Discover It Miles credit card give credit limit increase automatically?

Discover It Miles credit card only reserve automatic credit limit increase for their best customers. If you want to request a credit limit increase you can either call Discover or request an increase in the credit limit through the online account.

Q13: Is Discover It Miles credit card accepted at WalMart?

The Discover It Miles is accepted at WalMart and you will earn 1.5 Air Mile Points for every dollar you spend.

Q14: Does Discover It Miles have a referral program?

Discover It Miles credit card does have a referral program. You can refer up to 10 successful applicants each year. You will earn $50 per successful referral. You can earn a maximum of $500 every year.

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