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WalletHub Best Discover 0% APR Credit Cards
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Discover (a WalletHub partner), both the sixth largest credit card issuer and the fourth largest card network in the U.S., usually offers a number of credit cards with 0% introductory purchase APRs (Discover 0% ... show more... show more
show lessDISCOVER 0% APR CREDIT CARDS
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- Rewards earned in the first year get doubled
- Up to 5% cash back
- No annual fee
- 0% intro rates for 15 months
- Potential for a very high regular APR
- Bonus reward categories rotate, require quarterly signup and limit earnings
- Balance transfer fee
- No membership fees
- Intro APR on purchases
- Intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Rotating categories which require activation
- Balance transfer fee
- No membership fees
- Intro APR on purchases
- Intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- No initial rewards bonus
- Balance transfer fee
- $0 annual fee
- 1.5 miles per $1
- First-year rewards get doubled
- 0% foreign transaction fee
- Intro APRs on purchases and balance transfers
- High regular interest rate
- Not as rewarding after the first year
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 more
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What's the Discover interest charge on purchases? Reply
The Discover interest charge on purchases ranges from 16.99% - 27.99% Variable for most Discover cards. The only exception is the Discover it® Secured Credit Card, which comes with an APR of 27.99% Variable. However, your actual rate will depend on several factors, including credit score and debt to income ratio.
Here's what you should know about Discover interest charges:
- The 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 it reinstated by paying off your bill for two consecutive billing periods.
- Grace periods do not apply to cash advances or balance transfers.
- Discover will not raise your APR for late payments.
- The APR will vary with the market, depending on the Prime Rate. So, the interest rate is tied to a variable index and it will change based on the overall economic climate. Discover does not have to notify you of these changes.
- Some Discover cards 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.
It’s worth noting that credit card interest charges can become expensive. But you can avoid the interest costs by paying your balance in full every time.
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) 347-2683 to find your interest rate. Follow the prompts until...
Featured Credit Cards
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