Discover It Miles

[Discover2016]

I might be interested in the Miles card one day when my app spree is a distant memory and I have no inquiries on my reports, I was planning on applying when it first came out but boy was it hard to get!

[Anonymous]

Also just remember, if you would apply for the chase AARP card you would get $200 after $500 spend...and you would have to spend $556 a month on the IT miles the first year and $13.3k the 2nd year to get to that level.....

Any info on how hard it is to PC with disco? 

[Anonymous]

---

@CH-7-Mission-Accomplished wrote:

Well I learned something new.  I'm not sure why they call it "miles" or why anyone would want the regular 1% cash back card versus this one (except for the 5% categories which this quarter is gas - meh).

---

+1  I'll definitely keep it on my radar for when other priorities are complete. Thanks OP for the thread. I assumed it was a reduced redemption if not for travel like Arrival.

ETA: Question - Does it generally have 0% BT offers like the It? Both mine and DH's always have 0% for a shorter time or 4.99% for a longer time. 

ETA2: Also wonder how many people have both - Miles and It? 

[longtimelurker]

---

@Anonymous wrote:

---

@CH-7-Mission-Accomplished wrote:

Well I learned something new.  I'm not sure why they call it "miles" or why anyone would want the regular 1% cash back card versus this one (except for the 5% categories which this quarter is gas - meh).

---

+1  I'll definitely keep it on my radar for when other priorities are complete. Thanks OP for the thread. I assumed it was a reduced redemption if not for travel like Arrival.

---

The ads come with the statement, as with the IT, that double cash back the first year is a promo which may not always be offered.   But without that, I don't see that this card would be worthwhile, unless they offer a bonus.

[longtimelurker]

---

@Anonymous wrote:

Also just remember, if you would apply for the chase AARP card you would get $200 after $500 spend...and you would have to spend $556 a month on the IT miles the first year and $13.3k the 2nd year to get to that level.....

Any info on how hard it is to PC with disco? 

---

What is your calculation there?   It generally depends on your starting point.  My earlier calculation assumed you have a 2% card, and you can choose between applying for the Miles or for a card with a $200 sign up.   Then you would need to spend $20K in the first year to beat the bonus.   I would not put any spend on Miles after the first year!

For many though, the answer is to get both, especially with a card like AARP with a small spend requirement.  Spend the $500, get the Miles and put all non-cat spend on that for the first year.

[DU556]

I have the regular Discover Miles card (not IT) and I called yesterday to try and PC to the IT miles card with no success. I've actually called several times over the past 5 months but they will not PC me. currently, I only get 1% cash back so 1.5% would be much better for me. I always redeem my miles at amazon. i don't know why people don't talk about paying with miles at checkout over at amazon.com

I think this is the best way to purchase stuff. you can also use many other points cards to pay at checkout at Amazon.