Miles by Discover® Card issued by Discover
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Miles by Discover® Card, issued by Discover, is designed for those with very good credit who plan to take advantage of the travel reward program. Through the reward program, cardholders earn double miles on up to $3,000 in travel and restaurant purchases and one mile for every dollar spent on general purchases. Earned miles can be redeemed for airfare or reduced airfare on most major U.S.-based airlines with no blackout dates. Miles can also be redeemed for gift cards from 50 brand-name partners or cash. Cardholders earn 1,000 bonus miles in every month that they make a purchase during the first year of cardmembership for up to 12,000 bonus miles. There is a maximum of 60,000 miles that may be accumulated per year, but miles will not expire as long as the account remains active within a 36-month period. In addition, the card offers platinum benefits that include auto rental insurance, up to $500,000 in travel accident insurance, and various Internet account related services. The Miles by Discover® Card has a 0% introductory rate on purchases and balance transfers for six months with no annual fee. The APR for this card is reasonable, although it is important to note that only higher qualifying applicants will receive the lowest rate available. Therefore, those who plan to take advantage of the introductory rate and the reward program will benefit most from what the Miles by Discover® Card has to offer. Most Attractive Feature: 0% introductory rate; reward program; bonus miles. Least Attractive Feature: Low rate not available to all applicants. Apply Now For Miles by Discover® Card Note: The review of this Discover card was updated on 10/01/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	0% Intro APR*
Applied Towards:	Purchases, Balance Transfers
Details:	There is a 0% introductory APR* on purchases and balance transfers for 6 months. See terms and conditions for complete details.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	10.99%
Cash Advance APR:	23.99%
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	25 Days (Min.)
Fees Associated with this Card
Annual Fee:	$0
Add. Cardholders:	$0
Late Payment Fee:	$19 on balances up to $250; $39 on balances over $250
Over-the-Limit Fee:	$15 on balances up to $500; $39 on balances over $500
Cash Advance Fee:	3%, $5 minimum
Balance Transfers:	3% for each balance transfer made under this offer, with a minimum of $10 and a maximum of $75

The Rewards Program Highlights
Optional Reward:	No
Miles Per Dollar:	1 Mile
Additional Miles:	Earn double miles on up to $3,000 in travel and restaurant purchases.
	Miles can be redeemed for airfare or reduced airfare on most major U.S.-based airlines with no blackout dates. Miles can also be redeemed for gift cards from 50 brand-name partners or cash.
Miles Compatible with Frequent Flyer Program:	No
Expiration:	None (Account inactivity for more than 18 months could result in the forfeiture of some or all of the Cashback Bonus.)
Other Bonus:	12,000 Miles**
	**Cardholders will receive 1,000 bonus miles every month they make a purchase during the first year.

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related services. Up to $500,000 in travel accident insurance. Auto rental insurance. Fraud and security protection services. See website for additional benefits. Important Notes Regarding This Offer *The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 10.99% - 18.99%. See website for complete terms and conditions of card usage and application disclosure.