Lisa Cahill, Credit Cards Moderator
@lisacahill
The best Discover balance transfer promotion right now is 0% intro APR for 18 months, offered by the Discover it® Chrome card. The Discover it Chrome is the best Discover card for balance transfers because it offers the longest intro APR. It also has a $0 annual fee.
This card requires good credit or better for approval. Its regular APR is 17.74% - 26.74% Variable, which applies to the balance you carry after the intro period expires. It also has a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.
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People also ask
What are the latest Discover card promotions?
The best Discover credit card promotion is 5% cash back on up to $1,500 in purchases each quarter from the Discover it® Cash Back. To get this Discover credit card promotion, you must activate the offer quarterly according the Discover Cashback Calendar. There are a few other noteworthy Discover credit card promotions to take advantage of as well.
Discover Credit Card Promotions for December 2025
- Discover it® Cash Back: 5% cash back on up to $1,500 in purchases...
Do balance transfers hurt your credit?
Yes, balance transfers do hurt your credit when you open a new credit card account to do the transfer. Applying for a balance transfer credit card will generate a hard inquiry on your credit report, causing a slight dip in your credit score.
If you transfer a balance to an existing credit card account, however, there is no hard inquiry and no credit score damage. A balance transfer could still result in high credit utilization, though, and allow you...
read full answer by WalletHub, Financial CompanyWhat's the Discover balance transfer fee?
Discover has a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. Unlike many issuers, Discover doesn’t have a set minimum for the fee (e.g. at least $5).
Discover doesn’t offer any credit cards without a balance transfer fee. However, many competing lenders do offer at least one card with a 0% balance transfer fee.
Here’s how Discover balance transfer fees compare:
- Discover balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
- Capital One balance transfer fee: Varies by card
- Chase balance...
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