Discover 0% APR Credit Cards
WalletHub makes it easy to find the best credit card for you.
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- No annual fee.
- See More Details & Reviews About TheDiscover it® Cash Back
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- 100% U.S. based customer service.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- No annual fee.
- See More Details & Reviews About TheDiscover it® Balance Transfer
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
- 100% U.S. based customer service.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- No annual fee.
- See More Details & Reviews About TheDiscover it® chrome
- UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
- Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
- No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
- Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- See More Details & Reviews About TheDiscover it® Miles
- Choose your favorite team & show your pride - all 31 teams available.
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- No annual fee.
- See More Details & Reviews About TheNHL® Discover it®
- 3% in rewards points earned on True Value purchases.
- 2% in rewards points earned on gas and groceries.
- 1% in rewards points earned on all other purchases where Discover is accepted
- The current Reward Level is 1000 Points for a $10 Voucher. The maximum Reward Level is 30,000 Points for a $300 Voucher per billing cycle.
- $5 off anniversary coupon each year.
- Deferred Interest Details: No Interest if paid in full within 6 months on minimum purchase of $299 with this card.
- See More Details & Reviews About TheTrue Value Credit Card
We're sorry, but after searching our extensive database, we were unable to locate any credit cards that match the following criteria: {{tag.tag}}{{$last ? '' : ', '}}
Questions & Answers
Comparing discover 0% apr credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
Searching for answers...No Matching Results
What's the Discover interest charge on purchases? Reply
The Discover interest charge on purchases ranges from for most Discover cards. This includes the Discover it Cash Back, Chrome, Miles, NHL Discover, and Balance Transfer cards. The actual rate you’ll receive within that range upon approval varies based on your credit, income and other factors.
When you make a purchase on a Discover card, it is subject to an interest charge known as the Annual Percentage Rate (APR). To know how much you’re paying on your balance each day over the course of a year, divide the APR by 365. Discover will multiply this rate by your current balance every day to come up with the daily interest charge. Interest compounds daily. This means you’ll owe interest each day on any unpaid balance, including interest from previous days.
The simplest way to avoid paying interest charges is to pay the full balance due by the due date each billing period. Discover offers a grace period during which you will not be charged interest on your purchases if you pay off the entire balance. Discover’s grace period is at least 25 days (23 in February) from the end of the billing period until the due date. You will lose the grace period if you do not pay the balance in full during any month. You can have the grace period reinstated by paying the bill in full for two straight billing periods. Keep in mind that grace periods do not apply to cash advances or balance transfers.
Discover cards have also have 0% APRs on purchases and balance transfers for a certain number of months. After the 0% intro rates expire, any remaining balance is subject to the regular APR. Your Discover credit card will also have a separate APR for cash advances. There are no penalty APRs for late payments with Discover.
How do you find the interest rate on a Discover card? Reply
To find the interest rate on a Discover card, look for the “Interest Charge Calculation” section on your monthly billing statement (electronic or paper). There, you will find the Annual Percentage Rates (APRs) for your account. If you don’t have your monthly statement handy, you can log in to your online account and download/print a copy any time.
You can also call Discover customer service at 1 (800) 347-3085 to find your interest rate. Follow the prompts until you reach the department that handles billing or general inquiries. Alternatively, you can send a message to Discover directly through their website. Under “Contact Us,” select either the “Message an Agent” feature or “Send a Secure e-mail” to request your interest rate.
To find out what the interest rate will be on a Discover credit card you’re thinking about applying for, compare Discover card offers online. Under “Regular APR,” you’ll be able to see the possible APRs on each card. There may also be promotional 0% introductory APRs, depending on the card.
APRs typically come as a range. The actual rate a cardholder receives within that range depends on various factors. They include credit history, income, debt level and more. Keep in mind that the APR is the annual interest rate on your account. To calculate your daily interest rate, divide the APR by 365 for the number of days in a year.
How to find the interest rate on a Discover card:
- Check your statement: Look under the “Interest Charge Calculation” section.
- By phone: Call customer service at (800) 347-3085 any time.
- Online: Log in to your online account and download a copy of your billing statement. Or, click the “Contact Us” link at the bottom of the page and select “Message an Agent.”
It’s easy to find the interest rate on a Discover card, and there are plenty of methods to do it. Customer service is available 24/7 to help you if you have any trouble.
This information is accurate as of the date of posting.
Featured Credit Cards
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.