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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Every $1 you earn in cash back is $1 you can redeem.
APR on Purchases
0% intro APR for 6 months, 16.24% - 27.24% Variable APR after that
Balance Transfer
0% intro APR for 18 months, 16.24% - 27.24% 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 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 16.24% - 27.24% Variable... show more
View 724 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
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.
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Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
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Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
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Every $1 you earn in cash back is $1 you can redeem.
Can't find what you are 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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724 reviews
724 reviews
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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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Lori McEntire @LoriMcEntire19871
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5 Star Rating
I love, love, love my Discover More card! It's been a lifesaver on more than one occasion. My car broke down and I needed a hotel room over night while the car was being fixed. I didn't have my debit card with me and I didn't have enough cash to cover the deposit on the room. Thankfully my credit card was in it's sleeve. That was the first time I had to use my card, but it wasn't my last. A few months later my car broke down again, time for a new car I know, and this time the repair was quickly done and I was on my way, but only because I had my Discover card with me to cover the cost of the repair. Thank goodness for my Discover card. I don't know what I would do without it!
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Josh May @MarsEePan1
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5 Star Rating
My girlfriend and I have been sharing this card for a few months and it's been a god-send! Of the other options we've had, Discover has been one of the best choices we've made! We didn't really need the card, but we decided we should have one in case we run into an emergency. Well, sure enough, just a few weeks ago, she hit a deer while driving home, and put some pretty bad dents in the car. We just put all the repairs on the card, and we've taken our time paying it all off. I would definitely recommend it as an option to anyone looking for a credit card.
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