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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
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Discover it® Cash Back Discover it® Cash Back
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
- 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
- NEW Intro APR: Get a 0% intro APR‡ for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About TheDiscover it® Cash Back
Discover it® chrome Discover it® chrome
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn cash back on your next road trip with 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.
- 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
- NEW Intro APR: Get a 0% intro APR‡ for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About TheDiscover it® chrome
Discover it® Balance Transfer Discover it® Balance Transfer
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- 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 annual fee.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About TheDiscover it® Balance Transfer
Discover it® Miles Discover it® Miles
- UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- $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
- New Intro APR: 0% intro APR† for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR will apply.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- 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 an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Discover Match® details & other information.
- See More Details & Reviews About TheDiscover it® Miles
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 12.24% - 23.24% (V) for most Discover cards. 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) 347-3085 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, which are followed by a standard variable APR.
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.
Featured Credit Cards
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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