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Advertiser Disclosure

Although we put in a lot of effort to give our readers unbiased information, and we include many credit card offers on our website for which we do not get paid any compensation, we are legally required to notify you that we may be receiving compensation from some of the credit card companies mentioned on our website.

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn $100 after making a purchase within the first 3 months. Intro 0% APR for 15 months on purchases and balance transfers (after that 17.24% to 28.24% variable). The balance transfer fee is 3%. See more info below.

Bonus Value

Approximately $100

Annual Fee

$0

Card Rewards

Unlimited 1.5 points on all purchases

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: December 1, 2023 | Credit Card Review
Card Overview

With the Discover It Miles card you will earn unlimited 1.5% cashback on all purchases going forward. Plus, enjoy 0% APR for 15 months on purchases and balance transfers.

Card-Smart Tips & Advice
  • Credit: New credit ok
  • Max cards: Discover will only approve you for one card every 12 months, and they only allow a total of 2 open Discover credit cards
  • Credit bureau: Discover will usually pull your Experian credit report. If you freeze your Experian credit report then Discover will be glad to pull from either TransUnion or Equifax
  • Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined. Note, Discover will only approve you for one credit card application within every twelve months. (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
  • Check application status: You can check your application status  here  or call 1 800 347 2683
  • Reconsideration: No reconsideration line
  • Quickest way to get my card: Discover will not offer an instant credit card number for your new card, and physical Discover credit cards cannot be expedited and will arrive after 5-7 business days

Approval Monitor (submitted by HelpMeBuildCredit users)

80% Approved
730 Avg. Score of those approved
20% Denied
Approved 80% (16)
Denied 20% (4)

Credit limit range $1,500-$18,000

Avg. Credit limit$7,375

Approved 80% (16)
Denied 20% (4)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Balance Transfer Terms
  • Balance transfer fee: 3% for approx. the first 3 months, then 5%
  • You cannot transfer balances from other credit cards issued by Discover
  • To receive the Intro APR Offer, transfers must be completed within the first approx 60 days of account opening (Discover will give you the exact date on the cardmembers terms and conditions)
  • No penalty APR
Card Details And Benefits

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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