Key takeout
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If you’re looking for an entry-level travel card, Discover IT® Miles and Bank of America® Travel Rewards Credit Card Two powerful options.
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Both cards offer 1.5 times the flat miles or points of all dollars spent without annual fees and foreign transaction fees, and offer even more solid APR offers.
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With different welcome offers, the best card for you may be determined by the benefits you are looking for and how you use the card.
If you only scan basic details, DiscoverIT®Miles and Bank of America®TravelRewards credit cards seem very similar. Both of these travel credit cards earn a flat rate of 1.5 times the miles or points, with no annual fee. These two cards also come with their own introductory APR offers. This is actually very unique among credit cards in this niche.
That said, there are some areas where these cards work differently. If you are trying to decide on Discover It Miles and The Bank of America Travel Rewards credit cards, read on to learn how they compare in the most important categories.
Main details
| card |
Discover IT® Miles |
Bank of America® Travel Rewards Credit Card |
|---|---|---|
| Welcome bonus | Discoveries match every miles you earned at the end of the first year | 25,000 online bonus points after spending $1,000 on a purchase within 90 days of opening an account |
| Remuneration rate | 1.5x miles on all purchases | 1.5x points on all purchases |
| Intro April | 0% intro APR for 15 months purchases and balance transfers (continued) 18.24%-27.24% Variation APR)) | 0% intro APR of 15 billing cycle purchases and balance transfers made within the first 60 days (continued) 18.24%-28.24% Variable APR Purchases and Balance Transfers)) |
| Annual fees | $0 | $0 |
Discover it Miles vs. Bank of America Travel Rewards Credit Card Highlights
These two travel credit cards have similar offers, but there are some areas where one card appears before the other.
Welcome Bonus Winner
Reward rate winner
Annual fee winner
Foreign transaction fee winners
Intro APR Winner
Which cards make the most money?
Both cards have the same rate of return on all purchases, so you can earn the same amount of rewards after the first year. However, depending on how the bonus works, the first year reward haul of your card will vary.
Discover it Miles vs. Bank of America Travel Rewards Credit Card Expense Example
To come up with an example of first-year rewards for both cards, let’s say you have a family of four with two adults under the age of 50 and two children between the ages of 9 and 11. According to the USDA, average food spending could be $1,024.90 per month on a moderate plan (or $12,298.80 per year).
Also, imagine spending $300 a month ($3,600 a year), $300 on travel ($3,600 a year), and $1,000 on other purchases ($12,000 a year).
Here’s what that spending looks like, and what you earn with cashback in your first year:
| Credit Card | Total annual spending | Earned points/miles | Welcome bonus won | Total points/miles earned |
|---|---|---|---|---|
| Discover the miles | $31,498 | 47,247 miles | 47,247 miles (double the miles you earned within the first year of opening an account) | 94,495 miles |
| Boa Travel Rewards | $31,498 | 47,247 points | 25,000 (after spending $1,000 on a purchase within the first 90 days of opening an account) | 72,247 points |
Each card earns 47,247 points or miles, thanks to a 1.5x point or miles reward rate.
However, if you add a bonus offer for each card, your first year reward will change.
- The Bank of America Travel Rewards credit card earns a total of 72,247 points in the first year, worth a total of $722.
- With Discover It Miles, you earn a total of 94,495 miles in your first year, worth a total of $945.
Why do you need to discover it?
If you use your card for a significant amount each year, once you discover it, you can still have a heavy reward in your first year thanks to the bonus offer. However, there are many reasons to consider this card.
Why do you need to get a Bank of America Travel Rewards Credit Card?
Bank of America Travel Rewards cards may also be worth it. It’s definitely worth it, especially if you want to earn flexible rewards to skip interest payments on travel and purchases as long as possible.
Conclusion
These travel credit cards have similar rewards and features, and if you want to earn rewards, transfer balances, or avoid paying interest on your purchase for a limited time, one of them could be a good option. Another major bonus is that both Discover It Miles and Bank of America Rewards credit cards do not have annual fees and no foreign transaction fees.
That said, you should compare credit cards from Bank of America, Discover and other major issuers before you make a decision. If you are willing to pay the annual fee, you can find an elite travel credit card with better bonus offers and more perks.
Information about Bank of America® Travel Rewards credit card was last updated on June 4th, 2025.