Miles by Discover Card Promotion: Up to 20,000 Bonus Miles

Here’s a promo that would work great together with the the ChargeSmart fee waiver for utilities purchases. The Discover® Miles Card has upped their sign-up bonus so that you can get 1,000 Bonus miles every month you make a purchase for the first year – up to $120 in travel rewards. To confirm, look for the following in the Terms & Conditions on the application:

TERMS OF 20,000 BONUS MILES OFFER: Earn 10,000 Bonus Miles for every $2,000 you spend, up to 20,000 Bonus Miles. Purchases must be made within 6 months from the date your account is opened. We are not responsible for merchant delays in processing transactions. This promotional offer is in addition to the Standard Miles earned on purchases. Promotional Miles will be applied within 8 weeks of reaching $2,000 and $4,000 spend amounts. (This promotion is now over)

The $2000 spending requirement over six months works out to $333 per month. What you’d be looking for is $350 per month in utilities (electric, gas, sewer, water) that previously didn’t accept credit cards for payment (at least without a big fee), which now you can pay Discover via with no fees. If you don’t reach that, I would even prepay some utilities and let it apply to future bills. There is also double miles (2 miles/$ spent) on the first $3,000 spent combined on restaurant and travel purchases. If you can charge $4,000 in 6 months, you’d get the max 20,000 bonus miles.

In addition, you’ll still get the standard 1 mile per $1 spent on the utilities charges. 10,000 miles can be redeemed for $100 towards any travel from any vendor. You just have to put a travel purchase (airfare, hotel, car rental) on the card and then go online and redeem your “miles” for a travel credit. So buy any $150 airfare from any website on the Miles card and redeem 10,000 miles for a $100 statement credit.

No annual fee. Rewards do not expire as long as your account is in good standing and the card is not inactive for 18 consecutive months.


  1. Just wanted to add additional benefit not mentioned in the blog: Your earned miles could be redeemed through purchases made at at the same exchange rate you mentioned for travel. Also, to reach your spending requirement, go get some gasoline gift cards for future use. For example, my commander is an oil drinker for $300 monthly. I could buy Shell or Chevron or ARCO gift cards in the month fifth or sixth, near the end of the promotion, to earn the 20k miles. I could buy restaurant gift cards to earn the double miles bonuses. Well, good luck.

  2. Forgot one more type of card–buy your grogery store gift cards to meet the minimum spending requirement.

  3. You also get double miles on restaurant and travel purchases with the card.

  4. If you make money off of referring applications I would prefer disclosure. If you just look at sign up bonuses, there are better cards out there.

  5. @Wanny – Thanks for the redemption tip. I have a Miles card but it’s been inactive for a while.

    @Scott – Yup, for up to $3,000 in combined purchases per year.

    @Brian – I know there are better bonuses out there, but if you read the post, I spent a lot of time pointing out how you can now pay utilities for free via ChargeSmart, which otherwise would not accept credit cards without a fat fee. This is only via Discover card, and this is the best Discover bonus out there. So why not get an easy bonus for something that you can’t charge on any other card? Use your other spending for those better bonuses. :)

  6. Any reviews of this card or the rewards it has?

  7. Has Chargesmart stopped allowing you to pay utilities without a fee? I don’t see the fee wavier anymore.

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