Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1.5x | uncapped |
Non-cash perks
- $0 fraud liability on unauthorized purchases
- Free Social Security number dark-web alerts via CreditWise
- Freeze/unfreeze account instantly via app or site
- Free FICO Score 8 via CreditWise
- 24/7 human customer service (some specialized lines excluded)
- Miles can be redeemed as a statement credit for airfare, hotels, rideshare, gas, restaurants and more, or converted to cash
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Discover
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.discover.com · www.discover.com. Spot an error? Tell us.