In this contribution, a computational framework for the analysis of tertiary concrete creep is presented, combining a discrete element framework with linear visco-elasticity and rate-dependency of crack opening. The well-established Lattice Discrete Particle Model (LDPM) serves as constitutive model. Aging visco-elasticity is implemented based on the Micro-Prestress-Solidification (MPS) theory, linking the mechanical response to the underlying physical and chemical processes of hydration, heat transfer and moisture transport through a multi-physics approach. The numerical framework is calibrated on literature data, which include tensile and compressive creep tests, and tests at various loading rates. Afterwards, the framework is validated on time-to-failure tests, both for flexure and compression. It is shown that the numerical framework is capable of predicting the time-dependent evolution of concrete creep deformations in the primary, secondary but also tertiary domains, including very accurate estimates of times to failure. Finally, a predictive numerical study on the time-to-failure response is presented for load levels that can not be experimentally tested, showing a deviation from the simple linear trend that is