Discover IT Miles Calculator - Calculate Based On Spend

Discover IT Miles Card

1.5x Miles Per $1
Discover Match

Calculate how many miles you can earn with the Discover IT Miles Card based on your monthly/yearly spend. Also covers earning miles with Discover Match.

This page may contain links and/or referrals that would earn The Point Calculator points, miles, or other financial compensation. For more details, view the Advertising Policy.

The Discover IT Miles card is a good choice for anyone looking for a simple rewards program. You earn a flat rate of miles per $1 spent and redeem them for cash, statement credit, gift cards, and more. Do note that this is the only card that earns Discover Miles.

Bonus Categories

The Discover IT Miles card earns miles at a flat rate. There is no limit to the amount of miles you can earn with this card.

1.5x All Purchases

The Discover IT Miles Card earns an unlimited 1.5x miles on all purchases for every dollar spent. Since Discover IT Miles are worth one cent each, you will earn a 1.5% return on all purchases. Unlike the most of Discover's credit card line-up, this card does not have a quarterly cap or any rotating categories. It's earning structure is straightforward and easy to use. Several other cards offer a flat 1.5% return that have no annual fee such as the Capital One Quicksilver Card and Chase Freedom Unlimited Card.

Perks and Benefits

Discover IT Deals

The Discover IT Miles card offers access to Discover Deals which allows you to get cash back and money off everyday purchases. It's similar to AMEX Offers that American Express has with its cash back and Membership Reward Point earning credit cards. Once you log in, you can select a deal/coupon you want to use. You can then checkout using the Discover card to activate and redeem the deal/coupon.

Discover Deals can save you big money while still earning rewards for your spend!

Discover IT Match

Discover is most known for their Discover Match program in which Discover will match the amount of rewards you earned in your first year of using the card. This basically means that you'll be earning double the rewards the entire first year. So if you earned 50,000 Discover Miles by using your Discover IT Card the first year, Discover would match that and give you an additional 50,000 Miles. That makes the Discover IT Miles Card a 3x, no-annual-fee card the first year.

This benefit also applies to Discover's cash back credit cards.

Sign Up Bonus

The Discover IT Miles Card does not have the typical sign up bonus revolving around meeting a certain amount of spend within 90 days. Instead, they will double your first year of earnings. This means you will earn an additional 1.5x miles for a total of 3x Discover IT Miles per $1 spent. To make matters even better, this bonus is not capped meaning you can earned an unlimited return of 3% the whole year.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

Just like all the other Discover Cards, the Discover IT Miles Card does not have an annual fee. You will end up in the positive when using the card to earn rewards.

Authorized User Fee

The Discover IT Miles Card does not charge a fee for adding authorized users. Due to the double miles sign up bonus, I recommend adding additional users to help maximize the bonus and rake in the rewards!

Foreign Transaction Fee

The Discover IT Miles card does not have a foreign transaction fee so you can earn rewards worldwide without taking the value out of your miles.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Use Rakuten when booking travel and shopping online to earn additional cash back on top of your reward points. Rakuten sends you directly to your favorite sites so you can shop as you normally would. It's easy! Sign up and earn $10 with your first purchase!
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

Recent News/Articles

Page Last Updated: 2019-11-17

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links on this page. This includes, but is not limited to, making purchases, signing up for programs, and applying for credit cards. You can view the details of that on our Advertising Policy page.

About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

2019 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.