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Discover it® Balance Transfer

Discover it® Balance Transfer
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Our rating:4.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Intro Bonus
Cashback MatchIntro Offer: Unlimited Cashback Match for all new cardmembers – 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.
Reward Rates
5%Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%Plus, earn unlimited 1% cash back on all other purchases-automatically.
Balance Transfers Intro APR
0% for 18 months
Purchases Intro APR
0% for 6 months
Regular APR
17.24% - 28.24% Variable APR
Annual Fee
$0

Great for:

Balance transfer with rewards and low interest. This card offers one of the most generous intro APR periods on balance transfers, while offering substantial rewards and one of the lowest ongoing interest rates on the market.

This balance transfer card is among our picks for the best credit cards.

Highlights

  • Intro Offer: Unlimited Cashback Match for all new cardmembers - 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.
  • Redeem your rewards for cash at any time.
  • Your account may not always be eligible for balance transfers. Balance transfer eligibility is determined at Discover’s discretion.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee.
  • Terms and conditions apply.

Features

  • Balance Transfer
    Balance Transfer
  • Dining
    Dining
  • Excellent Credit
    Excellent Credit
  • Gas
    Gas
  • Good Credit
    Good Credit

Staff Review

Editor's Rating:

4.9 out of 5

Our take: A good value for cardholders who need to transfer a balance, but don’t want to give up earning new rewards, the Discover it® Balance Transfer card pairs a generous introductory balance transfer offer with a solid first year bonus. Terms and conditions apply.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.