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Discover it - 18 Month Balance Transfer

Editor's Rating: 4/5

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
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% 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, Low Intro Rate
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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