Editorial take: Discover it Miles
A rare card that effectively earns 3x in year one (1.5x + match). Miles aren't transferable, but the simplicity + first-year match make this a strong starter travel card.
All credit cards
Side-by-side
Discover it Miles vs Navy Federal More Rewards / Flagship Rewards
Both are travel travel cards. The Discover it Miles comes from Discover at $0/yr; the Navy Federal More Rewards / Flagship Rewards from Navy Federal Credit Union at $49/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Discover it Miles | Navy Federal More Rewards / Flagship Rewards |
|---|---|---|
| Annual fee | $0 | $49 |
| Sign-up bonus | Unlimited Miles Match (entire first-year miles doubled) | 35,000 bonus points (a $350 value) |
| Bonus value (est.) | $450 | $350 |
| Min spend to unlock bonus | $0 in 12 mo | $3,500 in ? mo |
| Issuer | Discover | Navy Federal Credit Union |
| Card category | travel | travel |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Discover it Miles
$0/yr · Unlimited Miles Match (entire first-year miles doubled)
Read the full review
Navy Federal More Rewards / Flagship Rewards
$49/yr · 35,000 bonus points (a $350 value)
Editorial take: Navy Federal More Rewards / Flagship Rewards
Common questions
- Which card has the bigger sign-up bonus, Discover it Miles or Navy Federal More Rewards / Flagship Rewards?
- The Discover it Miles has the bigger bonus, Unlimited Miles Match (entire first-year miles doubled), worth roughly $450, versus 35,000 bonus points (a $350 value) (~$350) on the Navy Federal More Rewards / Flagship Rewards.
- Is the Discover it Miles's $0 annual fee worth it compared to the Navy Federal More Rewards / Flagship Rewards?
- The Discover it Miles has no annual fee, so the question is whether the Navy Federal More Rewards / Flagship Rewards's $49 fee is justified by its perks. If you'll use enough of the Navy Federal More Rewards / Flagship Rewards's benefits to clear $49 in value annually, it's worth it; otherwise stick with the Discover it Miles.
- Can I have both the Discover it Miles and Navy Federal More Rewards / Flagship Rewards?
- Yes, since they're from different issuers (Discover and Navy Federal Credit Union) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Discover it Miles or the Navy Federal More Rewards / Flagship Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Discover it Miles: $0 spend in 12 months. Navy Federal More Rewards / Flagship Rewards: $3,500 in ? months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.