Discover It Cash vs. Discover It Miles

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The Discover It Cash and Discover It Miles cards are two different products that have very similar, yet distinct features. First, understand that neither one earns you actual miles or points transferrable to frequent flyer programs. But that doesn’t mean you’re not getting a great deal. It only means that you are not getting miles. What you get is cash back and your redemption rate is always fixed at one cent per dollar. But the upside is that you will also get real miles and points when you book your flight or hotel.

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INTRO APR on Purchases
0% (up to 14 months)
INTRO apr on Balance Transfer
0% (up to 14 months)
Regular APR
See Site
Annual Fee
$0
Bonuses & Rewards
  • September 2018: Best Travel Rewards and Air Miles Credit Cards
  • Clicking "Apply Now" will take you to the Credit-Land.com website to view card offers
  • Fly on Any Airline, Anytime
  • Offers Available for Excellent and Good Credit
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Discover It Cash and Discover It Miles
common features

Security

  • Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases
  • $0 Fraud Liability Guarantee which means you’re never responsible for unauthorized purchases on your credit card
  • Free overnight shipping for card replacement to any U.S. street address at your request

Value

  • Paying late won’t raise your APR
  • No late fee for your first late payment
  • No overlimit fee
  • No foreign transaction fee

Service

  • Track your FICO  Credit Scores for free on monthly statements and online
  • 100% U.S.-based customer service available day or night
  • Accepted where you shop at 9.6 million merchants nationwide
  • Pay your bill up to midnight (ET) the day it’s due by phone or online

So far, comparing Discover It Cash and Discover It Miles has been like comparing a pair of twins – they look identical. However, the rewards sections are a completely different story.

Discover It Cash Rewards

  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year—only for new cardmembers
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up
  • 1% cash back or more on all other purchases
  • 0% intro APR on balance transfer for 18 months from date of first transfer
  • Redeem your rewards for cash in any amount at any time
  • Your cash back never expires
  • Use your cash back instantly at Amazon.com

Discover it® Cash Back

Discover it® Miles Card
How to apply
To apply for this offer please contact
Discover Bank
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INTRO APR on Purchases
0% (14 months)
INTRO apr on Balance Transfer
0% (14 months)
Regular APR
13.99% - 24.99% Variable
Annual Fee
$0
Rewards Program
Cashback Bonus®
Bonuses & Rewards
  • + cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • + Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • + Redeem cash back any amount, any time. Rewards never expire.
  • + Use your rewards at Amazon.com checkout.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • No annual fee.
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Discover It Miles Rewards

  • 1.5x miles on every dollar you spend on purchases
  • Get an automatic match of all the miles you’ve earned at the end of your first year—only for new cardmembers
  • No blackout dates (fly any airline at any time)
  • Redeem your miles for any amount as a credit for travel purchases on your statement or get the cash at any time
  • Get up to $30 back each year for in-flight Wi-Fi purchases

Discover it® Miles

Discover it® Miles Card
How to apply
To apply for this offer please contact
Discover Bank
Read Review
INTRO APR on Purchases
0% (14 months)
INTRO apr on Balance Transfer
10.99% (14 months)
Regular APR
13.99% - 24.99% Variable
Annual Fee
$0
Rewards Program
Discover it® Miles Rewards
Bonuses & Rewards
  • + Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • + No Blackout Dates - fly any airline, stay at any hotel.
  • + Redeem your Miles as a statement credit towards travel purchases.
  • + Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match™ details & other information.
  • No Annual Fee
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As you can see, the only common feature for both cards as far as rewards is that Discover will double all the miles and points you earn at the end of the first year, and this makes them outstanding credit card products.

Why You Might Prefer Discover It Cash

At first glance, Discover it Cash has poorer value than Discover It Miles. It only offers 1 percent cash back (2 percent at the end of the first year), while Discover It Miles has 1.5 percent cash back (3% after at the end of the first year). But there is more than meets the eye.

Discover It Cash has one feature that Discover It Miles doesn’t: the 5 percent bonus cash back in quarterly rotating categories.

2018 Discover Quarterly Rotating Categories

While 5% cash back is not too shabby, it gets even better. At the end of the first year Discover will double it, so eventually you will get 10% cash back for using your Discover It Cash card within the rotating categories. This is already a terrific deal, but there is more.

Discover 5% cash back rotating categories
Discover  offers 5% cash back in rotating categories each quarter. Check out new 2018 Discover Calendar.

Why You Might Prefer Discover It Miles

While not a true miles earning card, Discover It Miles primarily appeals to people who want to save money on travel. You don’t need to travel to get cash back, as it will work for all your expenses. Getting paid for normal expenses takes a different step, but it also means that this card will work for anyone, including people who are not interested in travel at all.

Discover It Miles does not offer the 5% rotating category bonuses. What you do get is a simple 1.5 percent cash back on every purchase you make, and these earnings will turn into the 3 percent cash back at the end of the first year. In terms of simplicity, it’s hard to go wrong with this card, especially because there is no annual fee.

The way it works is you use the card for tickets on any airline or for any other travel expenses like hotels, car rentals, tours, excursions, even subway and taxi rides, and as long as your expenses code as travel, you can redeem the miles for a statement credit within 180 days. If not — you can deposit your miles into your banking account, so travel or no travel, you will still get your cash back.

There is also icing on the cake. You will get a $30 onboard WiFi credit every year, upon the anniversary. The credit is valid for any Wi-Fi service in the sky, and it is yours for as long as you are a cardholder. Think of this benefit as a credit card paying you an annual fee for a change.

What If I Like Both Cards?

You can have them. Discover allows you to have different credit cards in their portfolio, and these are two different products. Use Discover It Cash for 5 percent rotating quarterly bonuses, and use Discover It Miles for all other purchases in order to get the 3 percent cash back.