Discover It Miles

Discussion in 'General Discussion | Credit Cards' started by vickers, Sep 23, 2015.  |  Print Topic

  1. vickers

    vickers Gold Member

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    I just signed up for Discover It Miles card and I wanted to see what everyone's take is on it.

    Basically its a 1.5% cash back card, but there are 2 features that really drew me to it:

    -Double Miles Your First Year (Automatically double all the Miles you've earned at the end of your first year on your Miles card—only for new cardmembers) - This turns it into a 3% cash back card for the first 12 billing cycles.

    -In-flight Wi-Fi on Us (Your Discover it® Miles card will reimburse up to $30 of your in-flight Wi-Fi purchases each year with automatic credits to your statement)

    For a no annual fee credit card, the features are great. I doubt Ill use it a ton outside the first year, but this will probably be my go-to card during the first year if I am not trying to meet minimum spend on others.
     
  2. MX

    MX Gold Member

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    There's also a deal for 10% c.b. (to be doubled in a year) for purchases with Apple Pay, that will last for a couple of months. Unfortunately, it will require a new model iPhone (and a plan to go with it), so the extra cost will most likely cancel the benefits -- unless you've got nothing else to do for the next 2 months than figuring out and gaming all the wrinkles of that deal.
     
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  3. HaveMilesWillTravel
    Original Member

    HaveMilesWillTravel Gold Member

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    In my limited recent experience, that doesn't get you very far with GoGo.

    The 3% is nice. How widely accepted are Discover cards these days for daily spend? I never had one, so I haven't really paid any attention to it.
     
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  4. vickers

    vickers Gold Member

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    I havent looked into the pricing, but Im sure you are right. ;)

    I think it is more widely accepted than American Express, but not nearly as Visa and MasterCard.

    I don't think I have ever seen a store that accepts Visa, MasterCard, and American Express without accepting Discover.
     
  5. vickers

    vickers Gold Member

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    I have an iPhone 6, but never looked into Apple Pay. I just upgraded to IOS9 today, and Apple Pay is now on the home screen. I need to check it out.

    Anyone used Apple Pay before?

    Edit: So I couldn't find a ton of information on it, but it looks like you just link and start using. Didn't see where you had to register or any exclusions, but I am sure there are some:

    http://appleinsider.com/articles/15...-apple-pay-on-sept-16-with-10-cash-back-offer
     
    Last edited: Sep 23, 2015
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  6. MX

    MX Gold Member

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    If you already have the right hardware, just load your Discover card into Apple Pay and start spending. The limit is $10K (for the max c.b. of $2K). Gift cards are officially excluded, but Discover may or may not be able to enforce this. Check here for the endless stream of details.
     
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  7. Mapsmith
    Original Member

    Mapsmith Gold Member

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    Discover is now owned by MasterCard. So usually you will find that V/MC/Discover are accepted at most places. If Discover is not accepted, it is because the processor, not the merchant does not accept it.

    At my store, I recently changed to Gravity Payments. (The one with the Minimum Wage of $70K) and they process Visa/MC/Disc/Amex at decent rates and are saving me about $150/month over my previous processor. The previous processor started adding nuisance fees that meant that almost a third of my monthly processing was "Fees" other than the standard discount rate.
     
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