Miles by Discover® Card Review

This is really a smart card to use for the average consumer who wants to get a good value plus earn miles as an added benefit. With no annual fee plus a zero APR for your first six months, currently the Miles by Discover® Card offers the lowest maximum APR around. If you carry a balance every month, this can make a large difference in your checkbook.

Bonus Points. Today you can earn 1,000 Miles each month you make a purchase the first year. You can earn double miles on your first $3,000 in travel and restaurant purchases each year, and earn double miles when you shop Discover's exclusive on-line shopping site.

No annual fee. Currently there is no annual fee for the Miles by Discover® Card. This is a very enticing perk, for sure.

Introductory Offer. At this time there is 0% APR on purchases and balance transfers for six months, then purchase APR of 10.99% to 15.99% variable. You can transfer any of your existing high interest card balances to your 0% APR for the six month introductory period. After this offer, your annual APR will be 10.99% to 15.99% depending on your credit.

No Restrictions on Travel. There's no limit to the miles you can earn and miles do not expire. You can fly on any airline with no blackout dates and no seat restrictions.

Zero Fraud Liability Guarantee. Discover monitors all accounts and will notify you if there has been any unusual and possibly fraudulent activity on your card. You will also have access to a 24/7 Fraud Specialist. Discover can provide emergency card replacement for those cardholders who have had their card stolen and are in need of an immediate replacement.

Discover's Free On-Line Financial Education. Cardholders can select from important topics and instructions on how to better utilize credit cards in a safe way. Some of the tools include: Spending Analyzer, Paydown Planner and Banking Calculator.

Travel Benefits. One special perk includes secondary collision damage insurance when you rent your car with your Miles by Discover® Card.

According to the 2011 Brand Keys Customer Loyalty Engagement Index report, Discover has been rated Number One in customer loyalty for 15 years in a row. The value of the Miles by Discover® Card is one in the mix that keeps the consumer happy year after year.