Editorial image using official Discover card art; application terms controlThis is a simple no-annual-fee card: unlimited 1.5x miles and a first-year Miles Match. The editor's personal referral page currently adds a $100 statement credit; verify that offer on the final application page.
The referral page says an approved applicant who makes a payment with the card in the first three months can receive $100; the referrer can also receive $100.
This is the editor's personal referral link. If you apply and satisfy the offer terms, the referrer may also receive a $100 statement credit. Using the link does not increase your annual fee.
Features
$0.
$100 statement credit when referral terms are met.
Unlimited 1.5x miles on eligible purchases.
Discover matches all miles earned in the first 365 days.
How the $100 referral offer works
The supplied referral page currently says “$100 for you and $100 for a friend.” It states that an approved applicant must make a payment with the card within the first three months; the applicant and referrer can then each receive a $100 statement credit.
The referral page also says the one-time bonus may not be available to current or previous cardmembers who received a new-cardmember bonus for this product during the past 48 months. Enter through the referral link and save the final application terms.
First-year Miles Match
Discover says it automatically matches all miles earned from approval through the first 365 days, with no match limit, purchase minimum or enrollment. Spend $20,000 during that period and 1.5x earns 30,000 miles; the match would bring the total to 60,000 miles, worth about $600 at the fixed redemption rate.
The $100 referral statement credit and Miles Match are different mechanisms. Confirm the final application displays every offer you expect before submitting.
Redeeming miles
Discover miles have a straightforward value: 100 miles equal $1. Redeem for cash or use a statement credit against eligible travel purchases. There are no airline or hotel transfer partners, so the card favors simplicity over high-upside award travel.
Before you apply
- Confirm the final page still shows $100 for the applicant and $100 for the referrer.
- The referral page requires a qualifying card payment within the first three months after approval.
- A bonus received on this product within the past 48 months may affect referral-offer eligibility.
- Miles Match covers the first 365 days and is processed after that period; it is not instant 3x rewards.
- At one cent per mile, ongoing 1.5x rewards are effectively about 1.5% back.
- The intro APR ends and balance transfers may carry a fee; read the final terms.
- Never create spending you cannot pay in full just to earn the offer.
Drawbacks
- Average ongoing return: 1.5% is simple but trails some 2% cash-back cards.
- No transfer partners: there is no airline or hotel upside.
Frequently asked questions
What is the referral welcome offer?
The referral page says an approved applicant who makes a payment with the card within the first three months can receive a $100 statement credit; the referrer can also receive $100. Confirm the final application page before submitting.
Is the $100 credit the same as Miles Match?
No. The $100 statement credit comes from this personal referral page. Miles Match is a separate Discover card benefit that matches miles earned during the first 365 days. Final application terms control.
Does Discover it Miles have an annual fee?
No. The official page currently lists a $0 annual fee.
How much are Discover miles worth?
100 miles equal $1 when redeemed for cash or eligible travel statement credits.
Bottom line
Discover it Miles is best for people who want no annual fee, uncomplicated 1.5x rewards and a first-year match. The current personal referral page makes the first year stronger with a $100 statement credit, but long-term rewards remain simple rather than exceptional.
Confirm the same reward, eligibility and fee terms before applying.