Discover it Miles

The Discover it Miles keeps things simple: a flat 1.5 miles per dollar on every purchase, no annual fee, and no foreign transaction fee. It also pairs that earn rate with 15 months of 0% intro APR on both purchases and balance transfers, a useful window if you want to finance a purchase or pay down debt while still earning. The tradeoff is that 1.5x is the ceiling: there are no bonus categories, so heavy spenders on dining, groceries, or travel will earn more elsewhere. Despite the travel branding, it offers no travel perks beyond skipping foreign transaction fees. It works best as a low-maintenance, no-fee card for someone who wants steady earning and an intro APR runway without tracking categories.