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
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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
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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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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Tim Culverhouse @timculverhouse
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4 Star Rating
Great card for balance transfers. I signed up for it for the 18 month 0% balance transfer back in February. The approved limit was lower than I would have liked but ultimately was pretty good. The only downside was that you could not initiate a balance transfer online - it had to be done over the phone. I have not used this card for rewards yet - but once the balance is paid off I will begin using it for the 5% cashback offers that they advertise on the site. The interest rate wasn't the greatest, but as long as you don't carry a balance you will be fine.
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Jessica Lamb @jessica.lamb2
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4 Star Rating
I have been a loyal customer to Discover for about 3.5 years now and I love them! Their rewards system is great. I was able to redeem 25 dollars in rewards for a 50 dollar gift card to American Eagle. You can also redeem the rewards for cash (transferred into your checking account), multiple other gift cards, or to apply to your bill. I also love the chances Discover gives you to receive rewards. You receive 1% back on all purchases, and in addition, they have specials all the time. For example, you can get 5% cash back on all gas purchases during some months. I also was able to receive 2% cash back on all purchases during my birthday month. A lot of places still don't accept Discover, but that would be the only draw back for me personally.
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Bryan Cubbins @bryan.cubbins
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5 Star Rating
This credit card is the best you can have in my opinion. The cash back rewards are great and they help you to save up for future purchases. The interest rate is a little high but they make up for it in their great customer service and cash back rewards. The customer service on this card is second to none. I had a charge on my card a few months back that was not suppose to be on there. I called and they took care of it right away no questions asked. Customer service is a big deal and they have got it going on. I would recommend this card to anyone.
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Sibtain Butt @sibtain.butt
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5 Star Rating
One of my favorite cards to use! I'm a huge believer in rewards cards and paying off balances to reap those rewards and my Discover more card is one of the better ones I have. 5% cash back on rotating categories (Gas and movies are this quarter). There are also a lot of retail partners (such as Nike, Apple, and Amazon) that you can get additional cash back by buying from their respective sites through discovercard.com. Only bummer about Discover More is that you only get.25% back on the first $2000 (or is it $3000?) as well as only.25% back at warehouse stores like Sam's Club. Other than that it's a great cash back rewards card that offers great deals with the cash back you ear. As long as you have good credit it's a good card to have.
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WalletHub @WalletHub
You earn 0.25% cash back on your first $3,000 in annual purchase. If you want a card that offers more consistent rewards, some good options to check out are the Capital One Venture Card, the Blue Cash Preferred Card from American Express, and the PenFed Platinum Rewards Card.
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Dorene Pugeda @dorenep1
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5 Star Rating
This credit card has been great so far considering that I see no reason to say that it has any negative aspects; although the transfer fees aren't exactly welcome. Interest isn't exactly helping to make a case for the card, especially considering that I am a frequent user of the card, and yes, that does add up over time. Although, it is worth noting that many of the positive aspects (just read the description, rather not write that all out) definitely make this a worthwhile card to have; of course there is always the expectation that this isn't as accepted as a Visa card for certain niche purchases, but that isn't really the card/Discover's fault and is moreso based on what you use the card for or who you are for that matter.
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WalletHub @WalletHub
Your inability to use this Discover credit card for certain purchases is due to the fact that Discover is not accepted everywhere that takes credit cards like Visa and MasterCard are. What’s more, if you are finding interest costs to be expensive, you may want to switch to a credit card that offers 0% on new purchases like the Citi Diamond Preferred Card, transfer a balance to a card like the No Balance Transfer Fee Slate Card from Chase, and/or revise your budget.
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Aleida Persky @aleidap
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5 Star Rating
My Discover More credit card has been with me through thick and thin. There have been times when I didn't know if I could make it through my dire situation without it. The customer service department gets an A+ in my book. They have always been so kind and understanding no matter what I called in about. There have been times in my life where I wasn't able to make a payment when it came due and they always helped me out in those situations. Now, keep in mind I have been a valuable customer of theirs for 15 years and they have always seemed to find a way to help me out through the ruff spots in my life. This is a credit card that grows with you, this has been my experience anyway. My suggestion to all who are looking into credit cards is to just do it. If your Credit Score is in their range then apply. You really have nothing to lose.
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Glenda Beck @glenda.beck2
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4 Star Rating
We have had a Discover Credit Card for many years. While the interest rate is not the best, and they will not undue interest rates hikes if you ever make a mistake, they are far from the worst option available. They are fair with the minimum payment requirements, and do not reduce your line of credit as you pay off the balance. The cash back bonus program is always a positive. They offer a choice of wide variety of gift certificates. The gift certificates are for chains and brand names, making their use possible. On occasion we have had difficulty with some locations accepting the card; however, this has gotten better over the years. Generally, we find this to be a problem with small retail establishments; they may accept VISA or MasterCard, but not always Discover. I would recommend this card to anyone looking for a new credit card.
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Brian Schultz @brian.schultz.7967
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5 Star Rating
I am a new Discover card user. I was attracted to the Discover card because of the generous 5% cash back bonus program. After receiving the card, I registered my account online. The Discover Card website sets the bar pretty high for others to follow. The home page is like a dashboard with all the important information at hand it is easy to navigate and understand. I like the ability to set up text and email notifications for various functions like balance thresholds, warnings for approaching the limits and other important information. Additionally, the cash back bonus section lets you track you rewards in an informative and fun format. I am very happy so far and I suspect this will quickly become my favorite card.
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