Target REDcard vs Discover It Miles

Product Comparison
January 18, 2021

Discover It Miles vs Target REDcard: Side-by-Side Comparison

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Target REDcard vs. Discover It Miles: Side-by-Side Comparison
Winner
Target REDcard
Criteria
Discover It Miles
Winner
3.9
Overall Score
Overall Score
4.8
Overall Score
0.0 stars – View deals >
Pricing
0.0 stars – View deals >
5.0 stars – 2 reviews
5.0 stars – 1 review
5.0 stars – 2 reviews
5.0 stars – 1 review
4.3 stars – 3 reviews
Additional Bonuses
5.0 stars – 1 review
4.0 stars – 2 reviews
5.0 stars – 1 review
5.0 stars – 1 review
Security Features
5.0 stars – 1 review
1.0 stars – 1 review
Cash Advance Cost
4.0 stars – 1 review
1.0 stars – 1 review
4.0 stars – 1 review
3.0 stars – 1 review
Return Check Fee
5.0 stars – 1 review
1.0 stars – 1 review
Damage and Loss Protection
5.0 stars – 1 review
1.0 stars – 1 review
Extended Warranty Protection
2.0 stars – 1 review
2.0 stars – 1 review
Foreign Transaction Costs
5.0 stars – 1 review
3.0 stars – 1 review
Contactless Payment
3.0 stars – 1 review
1.0 stars – 1 review
Debt Transfer Fees
4.0 stars – 1 review
2.0 stars – 1 review
Card Quality
0.0 stars – 0 reviews
Target REDcard
   
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Target REDcard vs. Discover It Miles: Comparison Details

Best Cost – Tie
5.0 stars

For the perks that you get as a Target customer, this is a great card because there is no annual fee.

Last reviewed January 20, 2020. Read all 2 no annual fee reviews.

5.0 stars

Yes, Discover It Miles does offer no annual fee. You can find additional information about Discover It Miles's cost on their customer service page here. You can also visit their homepage to see if Discover It Miles has posted additional information on their cost.

Last reviewed February 6, 2020. Read all 2 no annual fee reviews.

Target REDcard
   
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Best Rewards – Tie
5.0 stars

While you do have perks with the Target REDcard, you don't earn any points that can be redeemed for rewards, so that makes it less desirable than a lot of cards that have similar benefits but better rewards programs.

Last reviewed January 20, 2020. Read all 2 sign up bonus reviews.

5.0 stars

Yes, Discover It Miles does offer sign up bonus. You can find additional information about Discover It Miles's rewards on their customer service page here. You can also visit their homepage to see if Discover It Miles has posted additional information on their rewards.

Last reviewed February 6, 2020. Read all 2 sign up bonus reviews.

Target REDcard
   
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Best Additional Bonuses – Winner: Discover It Miles
4.0 stars

5% discount on all eligible Target purchases, 10% discount coupon each year on your card anniversary, 30 extra days for returns, The downside is, is that there is no rewards program for this card.

Last reviewed January 20, 2020. Read all 4 perks reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Discover It Miles' website, Discover It Miles performs very well in terms of perks relative to other travel credit card stores.

The review site wallethub.com gives Discover It Miles excellent ratings for perks in a review posted on its website. Specifically, this reviewer pointed out the following:

I absolutely love this Discover card! I've had the account for over a year now and really can't say anything bad about it. The perks are fantastic- great points for the first twelve months of purchases and I can use the points on more than just airline tickets! The balance transfer is a bonus and the interest is really quite good for a rewards card. Of course, the whole point of having a card like this is to not carry a balance, but I can definitely see the benefits of this card if someone were to have to. Customer service has never been an issue, and it's incredibly easy to access the account online. No complaints here!

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for perks, or the overall best-performing travel credit card stores on our main review grid.

Looking for Discover It Miles coupons? Check out the latest deals here. Want more reviews on Discover It Miles? Read a more in-depth review of Discover It Miles on this page.

Last reviewed November 26, 2019. Read all 2 perks reviews.

Target REDcard
   
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Best APR – Winner: Discover It Miles
4.0 stars

The ongoing APR is 25.15% Variable. I'm lucky where I don't carry a balance on my card, but if you do, the charges could start to snowball and you could end up paying a lot more than the benefits of the card give you are worth.

Last reviewed January 20, 2020. Read all 3 interest rates reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Discover It Miles' website, Discover It Miles performs very well in terms of interest rates relative to other travel credit card stores.

The review site wallethub.com gives Discover It Miles excellent ratings for interest rates in a review posted on its website. Here's a brief quote from this review:

I don’t usually like to use credit cards as everyone knows the inherent problems involved with them, however I do think it’s important to maintain a consistent credit history. So I decided to find a card that first of all had an introductory period of 0% interest and then once that introductory period was over, the regular interest rate was pretty low. I chose the Discover Miles card because of these reasons. Also I liked the idea of being able to apply my purchase points to airline tickets as I like to travel. This has been a great card. Even with a missed payment (which was due to a misunderstanding – my fault mostly) I was able to maintain my low interest rate, they didn’t bump it up which they very easily could have. I would recommend this card.

The review site consumeraffairs.com gives Discover It Miles excellent ratings for interest rates in a review posted on its website. From this review:

I have owned many credit cards over the years to take advantage of 0% interest, discounts, etc. Discover is by far the best credit card company I have worked with. I've had the pleasure of utilizing them as my main credit card for over 10 years now. Their 5% cash back reward program is awesome and their superior customer service is next to none. I'm always connected to someone quickly who I can understand and who understands me. Credit disputes have always been resolved in a timely manner.

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for interest rates, or the overall best-performing travel credit card stores on our main review grid.

Looking for Discover It Miles coupons? Check out the latest deals here. Want more reviews on Discover It Miles? Read a more in-depth review of Discover It Miles on this page.

Last reviewed November 26, 2019. Read 1 interest rates review.

Target REDcard
   
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Best Security Features – Tie
5.0 stars

Based on reviews posted on popular review sites as well as from Target REDcard's website, Target REDcard performs very well in terms of security features relative to other credit card stores.

Based on information published by Target REDcard, they have excellent support for security features on a page posted on their website. Here's a snippet from the information published on their site:

Target takes a proactive approach to fighting fraud and identity theft. If a transaction or RedCard (Target Mastercard, Target Credit Card or Target Debit Card) application looks suspicious, we may call you to verify that you have authorized the application or transaction. For some online account changes or other changes to your RedCard account, you may be prompted to provide additional information about yourself, your account or your RedCard. This helps reduce the risk of fraud and the possibility of identity theft.

The review site thefinancebuff.com gives Target REDcard excellent ratings for security features in a review posted on its website. From this review:

Target RED Card debit cards saw zero fraud because they must use a PIN. Other cards would be made more secure if they also must use a PIN. Unfortunately those other cards all allow charging without a PIN.

Learn more at the company's website.

You can also check out the top 10 credit card stores for security features, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 fraud protection reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Discover It Miles' website, Discover It Miles performs very well in terms of security features relative to other travel credit card stores.

The review site mybanktracker.com gives Discover It Miles excellent ratings for security features in a review posted on its website. Here's a brief quote from this review:

Discover does not want you to be liable for fraudulent purchases, so it has put in place many securities to protect your identity and your purchasing power.

One reviewer on creditdonkey.com said Discover It Miles performs well on security features relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

Rest assured knowing Discover has a $0 fraud liability policy and that you won't be accountable for unauthorized purchases on your account.

One reviewer on moneyunder30.com said Discover It Miles performs well on security features relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

Best For Security and cash back

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for security features, or the overall best-performing travel credit card stores on our main review grid.

Looking for Discover It Miles coupons? Check out the latest deals here. Want more reviews on Discover It Miles? Read a more in-depth review of Discover It Miles on this page.

Last reviewed February 6, 2020. Read all 2 fraud protection reviews.

Target REDcard
   
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Best Cash Advance Cost – Winner: Discover It Miles
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of cash advance cost when compared to other credit card stores.

Based on one review posted on moneycrashers.com, it appears that Target REDcard received poor ratings for cash advance cost. See the full review here. Here's a brief quote from this review:

No Balance Transfers or Cash Advances. You can’t make balance transfers or draw cash advances with your Target REDcard. That’s a drawback relative to most cash back credit cards, including Chase Freedom.

Based on one review posted on wallethub.com, it appears that Target REDcard received poor ratings for cash advance cost. See the full review here. Specifically, this reviewer pointed out the following:

You can't get cash advances with your Target Credit Card, unless you have been upgraded to the Mastercard version, which you can use anywhere that takes Mastercard, including virtually all ATMs. You can’t apply for that card directly. Once you have the Target REDcard Credit Card, it might be offered to you as an upgrade.

Learn more at the company's website.

You can also check out the top 10 credit card stores for cash advance cost, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 cash advance fees reviews.

4.0 stars

Based on reviews posted on popular review sites as well as from Discover It Miles' website, Discover It Miles performs very well in terms of cash advance cost relative to other travel credit card stores.

One reviewer on finder.com said Discover It Miles performs well on cash advance cost relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

$10 or 5% of the cash advance amount, whichever is greater

One reviewer on nerdwallet.com said Discover It Miles performs well on cash advance cost relative to its peers. You can read the full review here. Here's a brief quote from this review:

Cash Advance APR: 26.49%, Variable

One reviewer on cardrates.com said Discover It Miles performs well on cash advance cost relative to its peers. You can read the full review here. Here's a brief quote from this review:

As with the remaining picks on our list, the Discover it® cards charge a cash advance fee of $10 or 5% of the advance, whichever is greater. Discover’s range of cards also have a comparable cash advance APR.

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for cash advance cost, or the overall best-performing travel credit card stores on our main review grid.

Looking for Discover It Miles coupons? Check out the latest deals here. Want more reviews on Discover It Miles? Read a more in-depth review of Discover It Miles on this page.

Last reviewed February 6, 2020. Read all 2 cash advance fees reviews.

Target REDcard
   
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Best Late Fees – Winner: Discover It Miles
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of late fees when compared to other credit card stores.

Based on one review posted on upgradedpoints.com, it appears that Target REDcard received poor ratings for late fees. See the full review here. Here's a brief quote from this review:

Target states users will pay a late fee of $24 when any amount due remains unpaid after the payment due date. All subsequent late fees will be $38 until you reach the minimum required payment by the due date for 6 consecutive billing periods.

Based on one review posted on magnifymoney.com, it appears that Target REDcard received poor ratings for late fees. See the full review here. From this review:

Late payment fees run up to $38. Returned payment fees run up to $27. If you miss a payment, are late on a payment, or only pay the minimum balance, your 5% savings will be automatically negated.

Learn more at the company's website.

You can also check out the top 10 credit card stores for late fees, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 late payment fees reviews.

4.0 stars

Based on reviews posted on popular review sites as well as from Discover It Miles' website, Discover It Miles performs very well in terms of late fees relative to other travel credit card stores.

One reviewer on nerdwallet.com said Discover It Miles performs well on late fees relative to its peers. You can read the full review here. From this review:

There is no charge for the first late payment, and a single late payment won’t raise your APR. But if you do it again, it’ll cost you up to $39.

One reviewer on finder.com said Discover It Miles performs well on late fees relative to its peers. You can read the full review here. From this review:

No fee for your first late payment.

One reviewer on usnews.com said Discover It Miles performs well on late fees relative to its peers. You can read the full review here. From this review:

There’s also no late fee the first time you miss a payment. There is, however, a 3% intro balance transfer fee per transaction (up to 5% on future transactions) and a fee of up to $39 for returned payments and late payments after the first one.

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for late fees, or the overall best-performing travel credit card stores on our main review grid.

Looking for Discover It Miles coupons? Check out the latest deals here. Want more reviews on Discover It Miles? Read a more in-depth review of Discover It Miles on this page.

Last reviewed February 6, 2020. Read all 2 late payment fees reviews.

Target REDcard
   
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Best Return Check Fee – Winner: Discover It Miles
3.0 stars

Based on ratings published by trusted online review sites as well as information from Target REDcard's website, Target REDcard performs average to better than average in terms of return check fee compared to other credit card stores.

Based on a review posted on investopedia.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

There is also a late payment fee of up to $38 and a return payment fee of $27.

Based on a review posted on smartasset.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. From this review:

Returned Payment: Up to $28

Based on a review posted on finder.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

Late payments come with fees of up to $39 and returned payments have fees of up to $28.

Learn more at the company's website.

You can also check out the top 10 credit card stores for return check fee, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 returned payment fees reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Discover It Miles' website, Discover It Miles performs very well in terms of return check fee relative to other travel credit card stores.

The review site usnews.com gives Discover It Miles excellent ratings for return check fee in a review posted on its website. Specifically, this reviewer pointed out the following:

There is, however, a 3% intro balance transfer fee per transaction (up to 5% on future transactions) and a fee of up to $39 for returned payments and late payments after the first one.

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for return check fee, or the overall best-performing travel credit card stores on our main review grid.

Looking for Discover It Miles coupons? Check out the latest deals here. Want more reviews on Discover It Miles? Read a more in-depth review of Discover It Miles on this page.

Last reviewed February 6, 2020. Read all 2 returned payment fees reviews.

Target REDcard
   
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Best Damage and Loss Protection – Winner: Discover It Miles
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of damage and loss protection when compared to other credit card stores.

Based on one review posted on target.com, it appears that Target REDcard received poor ratings for damage and loss protection. See the full review here.

Learn more at the company's website.

You can also check out the top 10 credit card stores for damage and loss protection, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 purchase protection reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Discover It Miles' website, Discover It Miles performs very well in terms of damage and loss protection relative to other travel credit card stores.

Based on information published by Discover It Miles, they have excellent support for damage and loss protection on a page posted on their website. Specifically, their website provides the following information:

As an exclusive feature of your Discover card, we will cover your eligible purchases up to $500 if they are damaged or stolen within 90 days of the purchase.

One reviewer on fool.com said Discover It Miles performs well on damage and loss protection relative to its peers. You can read the full review here. From this review:

Purchases of up to $500 made on a Discover card were covered against theft or damage within 90 days of when the purchase was made.

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for damage and loss protection, or the overall best-performing travel credit card stores on our main review grid.

Looking for Discover It Miles coupons? Check out the latest deals here. Want more reviews on Discover It Miles? Read a more in-depth review of Discover It Miles on this page.

Last reviewed February 6, 2020. Read all 2 purchase protection reviews.

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Best Extended Warranty Protection – Winner: Discover It Miles
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of extended warranty protection when compared to other credit card stores.

Based on one review posted on birchfinance.com, it appears that Target REDcard received poor ratings for extended warranty protection. See the full review here.

Learn more at the company's website.

You can also check out the top 10 credit card stores for extended warranty protection, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 extended warranty protection reviews.

2.0 stars

Per online reviews as well based on researching Discover It Miles' website, Discover It Miles performs average to slightly below average in terms of extended warranty protection when compared to other travel credit card stores.

The online review website moneyunder30.com, gave Discover It Miles slightly below average ratings when it comes to extended warranty protection versus other travel credit card stores. See the full review on moneyunder30.com's site. From this review:

Discover no longer offers benefits such as purchase protection, return guarantee, extended product warranty, and price protection.

Last reviewed February 6, 2020. Read all 2 extended warranty protection reviews.

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Best Foreign Transaction Costs – Winner: Discover It Miles
2.0 stars

Unfortunately, Target REDcard does not currently offer no foreign transaction fees. You can also visit Target REDcard's foreign transaction costs customer FAQ page to see if they've provided any additional information on this topic. We also recommend checking their homepage to see if they've posted any more updated information on their foreign transaction costs.

Last reviewed January 18, 2021. Read 1 no foreign transaction fees review.

5.0 stars

Yes, Discover It Miles does offer no foreign transaction fees. You can find additional information about Discover It Miles's foreign transaction costs on their customer service page here. You can also visit their homepage to see if Discover It Miles has posted additional information on their foreign transaction costs.

Last reviewed February 6, 2020. Read all 2 no foreign transaction fees reviews.

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Best Contactless Payment – Tie
3.0 stars

Based on our research, it appears that Target REDcard may not offer tap to pay at the current time. You may be able to find additional information about Target REDcard's contactless payment on their customer service page or FAQ here. You can also visit their homepage to see if Target REDcard has posted any updated information about their contactless payment.

Last reviewed January 18, 2021. Read 1 tap to pay review.

3.0 stars

Based on our research, it appears that Discover It Miles may not offer tap to pay at the current time. You may be able to find additional information about Discover It Miles's contactless payment on their customer service page or FAQ here. You can also visit their homepage to see if Discover It Miles has posted any updated information about their contactless payment.

Last reviewed February 6, 2020. Read all 2 tap to pay reviews.

Target REDcard
   
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Best Debt Transfer Fees – Winner: Discover It Miles
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of debt transfer fees when compared to other credit card stores.

Based on information pulled from their own site, it appears that Target REDcard seems to have poor support for debt transfer fees. See the full page here. Specifically, their website provides the following information:

Transfer Intro APR: Not Offered

Learn more at the company's website.

You can also check out the top 10 credit card stores for debt transfer fees, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 balance transfer fees reviews.

4.0 stars

Based on reviews posted on popular review sites as well as from Discover It Miles' website, Discover It Miles performs very well in terms of debt transfer fees relative to other travel credit card stores.

One reviewer on nerdwallet.com said Discover It Miles performs well on debt transfer fees relative to its peers. You can read the full review here. From this review:

3% intro balance transfer fee, up to 5% fee on future balance transfers

Based on information pulled from Discover It Miles' website, Discover It Miles performs well on debt transfer fees relative to its peers. You can read additional information here. Here's a snippet from the information published on their site:

3% Intro fee on balances transferred by May 10, 2020 and up to 5% fee for future balance transfers will apply.

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for debt transfer fees, or the overall best-performing travel credit card stores on our main review grid.

Looking for Discover It Miles coupons? Check out the latest deals here. Want more reviews on Discover It Miles? Read a more in-depth review of Discover It Miles on this page.

Last reviewed February 6, 2020. Read all 2 balance transfer fees reviews.

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