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
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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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Ashi Pashi @poooooooooooooooooooooooop
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5 Star Rating
I love having this credit card. It's great for students and others with no credit to build some, and it is a great starting point for credit. Discover's customer service is above none and have always helped me the minute I called them. One of the things that I really enjoy about this card is the cash back bonuses. I am able to earn cash back without even thinking about it on typical purchases. They also have a program for extra cashback for buying items online through their site from typical companies such as Target, Macy's and more. Overall, it is a wonderful card with great customer service that really watches out for the customer.
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Sal Dibblee @sald_1
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5 Star Rating
I got a Discover Card about a year ago and have been very happy with it. I used the balance transfer to transfer an existing balance from a different card, and the cash back bonus program has been great. I've gotten over $200 back in one year from the cash back bonus program. It's great when buying larger purchases from for example Walmart.com, it can give 5% cash back in those cases, and larger bonuses from other sites. The customer service on the occasions that I've needed to use it has been very helpful. I am planning on keeping this card around for a while.
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Norberto Juhnke @norbertoj
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4 Star Rating
I Have been using this card for about 2 years. Its been a very pleasant experience overall although I feel like the main appeal of this card was the cash back that it gives. for the time I've been using it I have been able to get a good amount of rewards and its become one of my favorite cards to do big purchases because of this. I know that if I keep using this card I will be getting at least a good percentage of my money back which has become one of my expectations for a credit card now. Every now and then they have these bonus categories and if you shopping for something that falls into that category well lucky you! you get more money back. If you want a card that will give you a good percentage of your money back for your purchases you can't go wrong with this card.
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Dion Carvin @dionc4
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5 Star Rating
I wasn't sure how I felt about Discover Card before I applied for this card, but now I know where I stand! This card has an incredible introductory offer that helped me condense a boatload of debt that I had on another, very high interest rate card. I had about $6,000 in purchases on my old Chase Freedom card that was growing at about 15% APR. Times have been tough, so I haven't had a chance to get caught up on that card recently. However, I applied for this Discover Card and took advantage of the 18 month 0% APR on balance transfers. Over the past 3 months I have been able to get the balance of the card down significantly and will be able to have it paid off entirely by the end of the 18 months. I haven't taken advantage of the purchase benefits of the card as of yet, but the 5% cash back rewards looks like it will be good for me when I start using the card more often. I recommend this card to anyone and everyone looking to consolidate debt!
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Brandon Terry @brandon.dodd.5682
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5 Star Rating
After being thrown around by credit card companies in the past, I was so happy to come across the Discover More Credit Card. This is a credit card that personally makes me feel safe. There are no hidden fees and it’s been nothing but a pleasure to use. I had terrible credit before using this card, and with the benefits and the ability to slowly build my credit back up from its use, I could not be happier. This card is fantastic for people who are looking to start out with credit or those who are looking to build theirs back up. Highly recommended.
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Robert III @robert.i.dugan
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5 Star Rating
I have had nothing but excellent experiences with my Discover Card. The cash back option is nice and the partnership with Amazon sealed the deal. I can now buy items directly from Amazon using my cash back dollars at face value. The rewards aren't gimmicky like Citi Extra Cash, Discover gives a percentage spent back at cash face value, no catch. The Discover customer service has also been very good to me. I was recently involved in a fraud dispute and they were supportive and really were working for me. Even though Discover isn't quite as prevalent as other credit card companies I have enjoyed my experience with them thoroughly.
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Elvis Dallas @elvisofdallas1
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4 Star Rating
Discover has been a reliable credit card to use for all the years I've had it; however, I am not really satisfied with the way the extended warranty coverage works now. The card previously offered free extensions of the normal warranties on many products including protection against some accidental damages. The claims were easy to file, but I suppose that is what caused the change of policy. Discover now offers warranty extensions through popular extended warranty company SquareTrade. In some ways this is better coverage because SquareTrade has a strong reputation for taking care of claims quickly. The downside is that the warranty extensions are costly additions rather than free with your use of Discover, although if you find a comparable warranty available from another provider, SquareTrade will refund 110% of the difference.
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Hattie Faley @hattief
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4 Star Rating
I find Discover Card to be my easiest reward card. The rewards they present are always easy to understand, very simple to earn, and even easier to redeem. I try to put everything possible on the card and then pay it off at the end of the month to earn the most rewards. The only draw back on this card is that there are some merchants that still don't accept the Discover Card so you do need a backup payment plan at all times. I have redeemed thousands of points from Discover and will continue to do so. The customer service is always polite and explain everything very clearly.
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Mike Water @tomveil1
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5 Star Rating
This is a card that typically sits in my wallet, I end up not using it too much. Although Discover isn't accepted everywhere, most of the places that I frequent don't have a problem with it. The rate is pretty good, and because I use it so little it's easy to pay off every month. I haven't had any issues at all with the customer service or hidden fees or anything. I do enjoy getting rewards and other perks that Discover offers, but I simply don't spend that much on my card to really see a big difference. I would recommend this card to anybody who just needs a nice emergency plan for major expenses.
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Colene Meile @colenem
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5 Star Rating
I've had my Discover Student Card for 4 months now. At first I wasn't exactly sure how to use it or what to use it on. My main purpose of getting the card was to be able to increase my credit and have an emergency fund. The first few weeks of having the card, I spent my money very recklessly and was pretty close to reaching my credit limit in a very short amount of time. I'd like to see in the future a kind of "tutorial," I guess you could say, for students about to start using their new cards. Maybe have a setting where the student can only spent a certain amount each day/week/month. I love the card and I love the company. The card is almost TOO easy to use.
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