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.
APR on Purchases
0% intro APR for 6 months, 12.24% - 23.24% Variable APR after that
Balance Transfer
0% intro APR for 18 months, 12.24% - 23.24% Variable APR after that
Balance Transfer Fee:3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
The Discover it® Balance Transfer card is an elite 0% interest credit card for people with average-to-good credit or better. It offers introductory APRs of 0% for 18 months on balance transfers and 0% for 6 months on new purchases, followed by a regular APR of 12.24% - 23.24% Variable... show more
View 705 User Reviews
Discover it Balance Transfer's Additional Info
cash advance fee
Either $10 or 5% of the amount of each cash advance, whichever is greater
Don't see what you're looking for? Submit your question about Discover it® Balance Transfer to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Your Discover it Balance Transfer card balance transfer limit would depend on the credit limit that is available on your account with Discover. You can transfer up to that limit.
Share your insights and review the Discover it® Balance Transfer
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705 reviews
705 reviews
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Mi Gramm @mig
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5 Star Rating
For all of my adult life, I have dreaded getting a credit card. For some inexplicable reason, Ive always felt it would be best if I didn't have one. I preferred the feeling of cold hard cash, and I was very content with using my husband's card whenever I needed it. That all changed last year. My husband insisted I build my credit up, and I applied for a few different cards and did just that. Now I have very good credit, and for the past six months I've been using the Discover More Card, and I just love it! Christmas just passed, and I did all of my shopping using the Discover More Card. My husband thinks I went a bit overboard because I spent about $2500. Still, I couldn't be happier, and the children had a great holiday! The rates are great and I only expect my credit to improve. I also love the cash back aspect (it's like seeing an old friend). I am so happy my husband talked me into signing up. This card is a life saver, and compared to the others I am sure I will be sticking with my Discover More for a long long time.
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Treasa Ulrick @treasau
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5 Star Rating
This is really an awesome card. I got an offer for 0% APR for 12 months and 0% apr on balance transfers too. Couldn't beat that. Ofcourse the only thing with Discover is that it's not as widely taken as VISA and MC. When it comes to shopping, most stores take Discover. But when it comes to paying bills, you may find that you have to use a different card if you're a person who prefers to pay your bills by phone or online. Another great feature of this card is the cash back program. To get money back on purchases that I need to make just for using this card instead of paying another way is always a good deal! Another reason I like this card is that there is no annual fee. The card that I had been using had an annual fee of $75 that I was really annoyed with, so getting this card with a 0% APR balance transfer offer and no annual fee is a lot better. I would suggest this card to anyone, although I do think you should also have an MC or Visa debit or credit card too just in case you run into an issue where you can't use your Discover.
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Becky Malkemes @bemalk
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4 Star Rating
I got my very first credit card about 3 years ago. I had an extremely limited credit history and was finding it very difficult for any company to approve me. Then Discover approved me starting at a 500 dollar limit with no interest for a select period of time! Over then next year and half I paid all of my payments on time and they kept increasing my limit by 250 dollars all the way up to 1250. I enjoy their online banking where I can pay as well as look at all of my transactions. My favorite aspect of going through bank of America is their cash back bonus. You can sign up when you log onto your online account for each one, for example you can sign up from January to March for 2% cash back on purchases made at restaurants and gas stations. You can use these for products or, what I like to do, is once you get to 50 dollars cash back bonus you can use it to pay towards your balance.
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Kathleen Morris @kathleen_morris_102
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4 Star Rating
Discover has always been a reputable card to have. I have had the card for several years now and find that the only drawback is that it is not always accepted in stores and with some online retailers. When I signed on to get the card, the offer was 0% interest for six months and that was great because I was trying to pay my bill off every month, and this allowed me to do that because I wasn't paying interest on top of my purchases. I was also pleased with Discover when they noticed some "abnormal" activity on my card. They stopped authorization of my card until I called them. This happened to me when I was doing a lot of shopping out of state and they declined the card and told the merchant to have me call them. I did right from the store and they put the purchase through because they wanted to make sure I was using my card and that nobody else had stolen it. Overall, I like discover and they seem to be the one credit card company I don't really have complaints with.
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Flora Finn @Florafinn
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5 Star Rating
I've been a Discover Card user for over 10 years and it's always very reliable, secure and beneficial. The bill is clear, itemized, and easy to understand. They are very secure, they don't put down your credit card number on the bill for security purposes. I had an issue with identity theft and they caught it right away. They stopped the card to prevent any unauthorized purchases. Their biggest benefit is security. They always check with you if you have made unusual purchases or any changes made to your account. Customer service is excellent. They answer your questions and are helpful. Benefits is the Cashback Bonus. It's great! Get Cash back or select vendors to use for your purchases. Lastly, you can choose your credit card picture. They have many different pictures/colors to choose from which makes you unique and helps me separate my credit card from the others. Easy to recognize. Discover is great to use!
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Shannon Johnson @shannon.scottjohnson
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4 Star Rating
I used to have an American Express card until all of the area businesses decided to stop taking it. I dislike VISA so I decided to go with Discover. This card is pretty basic and that's what I like about it. The statements are easy to understand. Usually I just buy what I need for the month, groceries, online bills, gas, etc... and then when it comes in I just pay off the balance. You don't get charged interest rates doing it this way. The rate isn't too bad even if you did have to pay the rates. You have to have excellent credit to be approved for this card and as long as you do it is pretty easy and quick.
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Ty Bennewitz @tebennewitz
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4 Star Rating
Discover gets a lot of grief for not being an Amex or a Visa, but I’ve found that they are accepted most everywhere now. I have always had great experiences using this card in the past. The availability seems to have increased quite a bit. This is your basic credit card, but it suits my needs perfectly. I mostly use it to purchase things that I already bought and just pay it off at the end of the month. I don’t have to worry about interest rates that way. If you are looking to not have a Visa or pay annual Amex fees, then this might be a good choice.
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Prescott Kagan @prescott.kagan
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5 Star Rating
I was recently browsing for cards that had a 0% intro rate and came upon the Discover Card. The application process was pretty painless and I was accepted within minutes and not days like some cards can take. Since then I've really had no issues at all yet. I love the online management they offer and as long as I pay my balance off I will incur no finance charges for 6 months. The one downside to Discover as a whole is that they still aren't accepted everywhere yet. But on the whole I have found most major chains and stores do accept it. If your looking for a solid offer and new credit this is a good place to start looking. Highly recommended!
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Joy Valeri @joy.valeri
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4 Star Rating
I have had my Discover Card for a while now. I applied for the great Balance Transfer Rate, and I kept the card for purchasing a new work shop. The Interest Rate isn't to bad, especially compared to my old Bank of America credit card. Currently I'm working to get the balance paid off, I expect it won't take more than 8 months. I always receive friendly service, that is easy to understand, when I call in. I have always contacted a call center in the US, not over seas.
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Serina Waldrep @serinaw
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5 Star Rating
I highly recommend the Discover card. Discover has gained so much acceptance over the past few years and I have always been able to use the credit card no matter where I made my purchase (including online). With my Discover card I've always experienced very simple, hassle-free transactions and helpful customer service. I absolutely love their Cashback program. I had just recently chosen a $20 Discover gift card for my points redemption and boy does it come in handy! I also love the ability to pay my bill directly on their website which is extremely user-friendly. I do have other backup credit cards, but Discover is always my go-to card.
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