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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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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Rusty Huskey @rustyh_1
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5 Star Rating
I've had this Discover Card for over 6 months now and I must say I love it. Discover is always a great choice for anybody looking to get a credit card. Customer service is always top notch any time I have to make a call to them, as they are always able to assist me with my needs and solve all issues very quickly. I receive my bill each month on the same day like clock work and they give you ample time to pay it and make sure you can get it back before the due date. I haven't had one issue with to date and the way they seem to operate I don't every expect to. I like to use this card all the time due to its rewards you can get, so that's a nice perk about this card.
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Jesenia Mcclester @jeseniam
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5 Star Rating
Discover Card has proven to be an outstanding credit card option. I transferred preexisting balances at high rates and have been able to significantly reduce the debt with their rates. At times when I've had questions or needed help having a card replaced, the customer service lines have been efficient and very helpful. I'm looking forward to taking advantage of some of their rewards programs. More places seem to be accepting Discover. I use it regularly when I go grocery shopping and to the movies. I'll probably start using to to pay some of my monthly bills such as my cell phone service.
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Bob Hanson @bob.hanson.5458
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5 Star Rating
This really is a pretty nice card. I've been working for a while now to decrease a bunch of debt I stupidly got on credit cards. This was really a great find for transferring a good chunk of my credit earning balance. I was especially pleased that it has a 18 month period of no interest on balance transfers. That should give me more than enough time to pay it off. I used to think that Discover wouldn't be accepted in many places; but, it seems to be accepted almost everywhere. Also, since I don't plan to make many purchases with it, it doesn't matter.
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Jay Bates @jay.bates.3532
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4 Star Rating
My Discover card is definitely worth having. I not only get cash back when shopping at certain stores, like some other cards offer, but I also get cash back when I use it to pay for my gas and my groceries. Which is what makes this card a win-win in my book. The fact that there is no annual fee is also a plus. I decided to get a second card for my husband to have and when I called to ask about it the customer service rep was more than helpful and extremely nice. The bonus from getting the second card, it didn't cost me anything. That is not heard of anymore. I will be keeping this credit card for a very, very long time!
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Michelle Kellum @michelle.kellum.9
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5 Star Rating
I am a big fan of this card. It is my first and only Discover card. I have a couple other credit cards that I also use regularly. One of the things that drew me to this card is the 0% interest for 18 months on balance transfers. At the time I first got this card, I had a couple other cards that I had balances on that had fairly high APRs. I saved a lot of money transferring my balances to my Discover card and I loved that I had 18 months to pay them off without accruing any interest! I also feel that the 23 day grace period seems very generous, although I try not to take advantage of that, preferring to make my payments on time. The purchase APR is very reasonable too. I also love the cash back option and find that it seems to accumulate fairly quickly. Overall, I think this is a great card if you're looking to transfer balances from other cards or if you're just looking for a good card with reliable customer service and a fair APR.
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John Rea @john.rea.522
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5 Star Rating
My Discover More credit card is one of my favorites. When I first received it, I was surprised at how low the interest rate was; I actually called to make sure it wasn't wrong. Although there are not many rewards to go along with this card, the cash back bonus is a really nice perk when combined with the low interest rate. I always get a little bit back no matter where I shop, and sometimes I even get cash back rewards from shopping online. It really helps during the holiday season when I'm short on money. I've used mine for over a year now and have had zero problems with it.
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Connie O'Brien @connie.obrien.169
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4 Star Rating
I had to work a little on my credit before I got this card, but now that I have it I'm very happy with it. I love the 5% cash back offer and since I have to travel for work, I use it often on gas and it really has helped ease the cost of the pump. The cash back and no annual fee is the reason I chose this card, but I stay because of the excellent customer service and extended warranty service, plus I got to take advantage of the promotional 18 month balance transfer. This is a great card, the only downside I can see is that not all merchants take Discover.
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Ricky Swary @rickys_6
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5 Star Rating
I signed up for the Discover card to take advantage of the 18 Month 0% interest balance transfer. This was my first Discover card and I was bracing for the same "herd" treatment that I have experienced with other cards. That didn't happen. From the very first call to activate I was transferred to a real human who was nice and extremely helpful. The agent was not a pushy salesperson, but was giving me information about using the card and educating me on benefits I did not know I had. The balance transfer went through without a hitch. I couldn't be happier. I would recommend this card to any one who wants to transfer a balance or take advantage of the cash back program for their holiday shopping.
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