Rated 4.5/5 stars by our editorial team
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3.8/5.0 from 25 Offer Ratings
Over the Past 60 Days!
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Regular Purchase APR
12.24% - 23.24% Variable APR
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Intro Purchase APR
0% Intro APR for 6 months
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Intro BT APR
0% Intro APR for 18 months
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Discover
Highlights
- 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.
- No annual fee.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See Rates & Fees
Card Fees
Foreign Transaction Fee
None
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Cash Advance Fee
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Additional Card Details
$0 Fraud Liability
Yes
Auto Rental Insurance
No
Extended Warranty Program
No
Roadside Assistance
No
Purchase Protection
No
Travel Assistance
No
Flight Accident Insurance
No
Lost Luggage Reimbursement
No
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Concierge Service
No
Expert Reviews
From the LendingTree.com Editorial Team
With the Discover it® Balance Transfer credit card you can earn a solid 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. Even better, the cash back you earn won't expire - you can redeem cash back in any amount at any any time. And this rewards program only gets better with this card's amazing first-year bonus: 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.
But the Discover it® Balance Transfer credit card really separates itself from the rewards pack by making it incredibly easy to potentially save hundreds on interest fees on purchases or balance transfers. This card offers new card members an introductory APR of 0% Intro APR for 18 months on balance transfers, followed by 12.24% - 23.24% Variable APR after that - this is about as good as it gets for $0 cards on the market today. And while the 0% intro APR period for purchases isn't nearly as generous (an intro APR on purchases of 0% Intro APR for 6 months from the date of account opening, then after that), this benefit could still result in big savings for cardholders who might end up carrying a credit card balance month-to-month.
Bottom line? There's a lot to love about the Discover it® Balance Transfer credit card.
The Bottom Line
By offering an excellent cash back program, a great balance transfer offer, and no annual fee, the Discover it® Balance Transfer credit card is a great choice for just about anyone.
The Good
There is no limit to the amount of cash back you can earn with the dollar-for-dollar match intro offer, so you could rake in a huge sum of rewards during your first year. Also, having no annual fee and extended periods of 0% intro APR on both purchases and balance transfers means it's easy to save on interest over time.
The Not So Good
This may not be the card for you if you want to earn a consistent rewards rate on all of your purchases or do not like to have to activate the different bonus cash back categories.
Editorial Note: This content is not provided by Discover. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Discover.
Consumer Reviews 25 Reviews
Offer Rating
3.8 out of 5.0
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+22 users submitted a rating without a full review
Sort by:
By: Jared | Mar 9, 2016
Customer service is great, and this card gives me cash back. Absolutely no issues whatever, and the card looks pretty cool too.
By: Charlie | Mar 8, 2016
From outstanding, well-trained US-based customer service, reasonable policies, world-wide acceptance and convenient terms, Discover is my day to today go-to card. I have several other credit cards but none inspire the confidence, trust and integrity as I have come to expect from Discover. Now in my 3rd year of use, I highly recommend it.
By: Clement | Mar 8, 2016
A good card for cash back and balance transfer, but not the best one in the market. Easy and simple to use
Related Card Offers
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Intro Purchase APR
0% for 12 months on Purchases
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Intro Balance Transfer APR
0% for 21 months on Balance Transfers
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Regular Purchase & BT APR
14.49% - 24.49% (Variable)
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Typical Credit Needed
-
Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- The standard variable APR for Citi Flex Plan is 14.49% - 24.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See additional Citi® Diamond Preferred® Card details
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-
Intro APRs
0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.24% - 23.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
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No Penalty APR
Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
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Build Credit
Access your FICO® Score for free within Online Banking or your Mobile Banking app
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Typical Credit Needed
-
Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.24% - 23.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
See additional details for BankAmericard® credit card
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Sign-up Bonus
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
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Rewards Rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
-
Intro APR
0% intro APR for 15 months on purchases and balance transfers, then 14.74% - 24.74% (Variable)
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Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Mastercard®
Highlights
- Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- See additional Citi Custom Cash℠ Card details
See additional details for Citi Custom Cash℠ Card
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