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NEW: Discover it Miles Credit Card

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Anonymous
Not applicable

Re: NEW: Discover it Miles Credit Card

This card is very interesting. The $30 WiFi credit and the double miles for the first year is a nice touch. I still wouldn't put it in the same class as Double Cash or Fidelity, but it definitely edges out Quicksilver. 

Message 41 of 488
14Fiesta
Established Contributor

Re: NEW: Discover it Miles Credit Card


@kdm31091 wrote:

@Anonymous wrote:

Doesn't appeal to me.  Waiting a full year for a bonus is a joke


If you are in this for instant bonus gratification, yes, but it's not really a joke. I think it's clever and allows you to achieve as much of a bonus as you want.

 

I get bored of the same old spend $3000 get $40k stuff over and over. This card will actually benefit you no matter what you spend, and you aren't forced to spend a certain amount in a certain amount of time!


This. What do you call the TE AMEX?

 

It might not be for everyone, but I am about to say something I didn't think I was going to say anytime soon. It makes my Double Cash card look insignificant. I can earn 2% on all purchases, or essentially 3% on all purchases for the first year. To me, that's a bonus worth waiting for.






EX FICO (AMEX): 728 (4/29/17) | TU FICO (Discover): 737 (4/7/17) | EQ FICO (Citi): 746 (3/28/17)
Message 42 of 488
chalupaman
Super Contributor

Re: NEW: Discover it Miles Credit Card

Too bad they won't let me have more than one discover card. Interesting. 

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 43 of 488
kdm31091
Super Contributor

Re: NEW: Discover it Miles Credit Card


@chalupaman wrote:

Too bad they won't let me have more than one discover card. Intersesting. 


I believe you can have more than one Discover card. I almost got the Chrome at one point, and asked them via chat. You are allowed, but like I mentioned, it's kind of a pain as you have to set up two different online accounts, you can't link them.

 

You can't have two of the same card, but I suspect an It and an It Miles would be fine. Just the aggravation of two online accounts.

Message 44 of 488
14Fiesta
Established Contributor

Re: NEW: Discover it Miles Credit Card


@chalupaman wrote:

Too bad they won't let me have more than one discover card. Intersesting. 


Did they say that just now? I thought people were getting the Chrome and it together.






EX FICO (AMEX): 728 (4/29/17) | TU FICO (Discover): 737 (4/7/17) | EQ FICO (Citi): 746 (3/28/17)
Message 45 of 488
kdm31091
Super Contributor

Re: NEW: Discover it Miles Credit Card

Just for the spirit of knowledge I'm gonna ask them via chat now about two cards with them. lol It was awhile ago when I last asked

Message 46 of 488
mongstradamus
Super Contributor

Re: NEW: Discover it Miles Credit Card

looks like this card will be the new myfico FOTM card. I honestly don't see the appeal of it with no signup bonus. 

 

As far as an test dummy if i was more intrigued over the card i would try since i haven't had an eq pull since june 2013. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 47 of 488
Anonymous
Not applicable

Re: NEW: Discover it Miles Credit Card


@14Fiesta wrote:

@chalupaman wrote:

Too bad they won't let me have more than one discover card. Intersesting. 


Did they say that just now? I thought people were getting the Chrome and it together.


Wasnt aware of this rule. Ive seen a couple people with both it and Chrome. Interesting

Message 48 of 488
chalupaman
Super Contributor

Re: NEW: Discover it Miles Credit Card

They said it's because I'm still a student.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 49 of 488
kdm31091
Super Contributor

Re: NEW: Discover it Miles Credit Card

I'm really not understanding why people keep insisting this has no signup bonus. It does -- just not a traditional bonus. Hate to say it, but this is a bonus that you can't just up and churn, you have to be in it for the year. That's fine if you don't want to, but I think it's a nice bonus.

Message 50 of 488
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