Apple Card vs Discover It Miles
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Apple Card wins 2-1. Apple ecosystem users — daily cashback, instant in Wallet. Discover It Miles is still the right call if no-fee flat travel earn — first-year doubled effectively makes it 3x..
Side-by-side
| Criterion | Apple Card | Discover It Miles |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 3% (shopping) | · 1.5% (general) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = No welcome bonus — daily cashback model | = Discover doubles all miles earned in your first year (Mile Match) |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | 660 | · 670 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Apple Card
- 3% Daily Cash on Apple purchases + select merchants (Uber, Walgreens, T-Mobile)
- 2% Daily Cash on all Apple Pay transactions
- 1% Daily Cash on physical-card purchases
- No annual fee, no foreign transaction fee, no late fees
- High-yield savings account at 4.4% APY
- Privacy-first: no purchase data sold
Discover It Miles
- 1.5x miles on every purchase
- Discover Mile Match: doubles all miles earned in year 1
- Redeem against any travel purchase
- No annual fee, no foreign transaction fees
- Free FICO score
FAQ
›Apple Card vs Discover It Miles: which is better?
Apple Card wins on more dimensions (2 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Apple Card for its best categories, Discover It Miles for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Apple Card: No welcome bonus — daily cashback model. Discover It Miles: Discover doubles all miles earned in your first year (Mile Match).