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Discover it - 18 Month Balance Transfer

Editor's Rating: 4/5

  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% – 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+
  • 5% cash back for online shopping and department store purchases on up to $1,500 – Oct. through Dec. 2014 when you sign up for 5%*. 1% cash back on all other purchases.
  • Free FICO(R) Credit Score online and on monthly statements.*
  • No annual fee, no late fee for your first late payment - APR won’t go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized Discover card purchases.
  • *See rates, rewards, free FICO(R) Credit Score terms,balance transfer terms and other info by clicking “Apply.”
Purchase Intro Purchase APR Bal. Transfer Intro Balance Transfer Fee Credit Needed
APR:
0%
Period:
6 Months
10.99% - 22.99% Variable*
APR:
0%
Period:
18 Months
3% (of the amount of each transfer.) Excellent
 
Editor's Notes

Card Highlights This card is best for consumers who want to earn cash back with no annual fee and are looking for a low introductory rate on purchases and balance transfers.

Should you switch to Discover it?
A lengthy introductory zero APR balance transfer offer with a competitive processing fee makes Discover it an attractive option if you want to consolidate debt. However, it's more likely that you'll want to just start your Discover it with a clean slate, so you can maximize your rebates. Like other rewards credit cards, Discover it carries a middle-of-the-pack APR that's not suited to carrying a balance beyond the zero interest teaser period. Even if you're holding a cash back card with a bigger reward rate, Discover it's customer service could be enough to lure you away.

Rate Information
Finance Information
Fee Information
Card Details
Card Issued By: Discover
Card Type: Discover
Card Category: Cash Back
Card Class: Other
Minimum Credit Limit: $500 min.
How to Apply: Online Application Form - Click to Apply
General Correspondence Address: PO Box 30943
Salt Lake City,UT
84130
800 347 2683

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