Cash back · Discover · No annual fee
Last verified 2026-09-09. Review issuer source
Discover it Miles is a no-annual-fee cash back card from Discover. It earns 1.5% on every purchase with no categories to track.
On our reference budget of $24,600 a year it returns about $369, an effective 1.5% back.
It is a fine only card. It loses to category cards for people who spend heavily on one thing, and even then it belongs in the wallet for everything else.
No welcome bonus is stored for this catalog entry yet.
There's no limit to how many Miles you can earn. And however you redeem, Miles have the same value.
We'll automatically match all the Miles you earn at the end of your first year. You could turn 35,000 Miles to 70,000 Miles, which is $700 all for you. No minimum spending requirement on your new card.
Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Discover it® MilesThis card · 1.5% on everything | None | $369 | +$369 | 480th of 1,291 |
| Discover it® Cash BackDiscover's most-held other card · 5% on drugstores | None | $462 | +$462 | 300th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
