Rated 4.5/5 stars by our editorial team
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4.0/5.0 from 3 Offer Ratings
Over the Past 60 Days!
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Regular Purchase APR
16.24% - 27.24% 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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Every $1 you earn in cash back is $1 you can redeem.
- No annual fee.
- Click "Apply Now" to see terms and conditions.
- 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 Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, 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 16.24% - 27.24% 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 16.24% - 27.24% Variable APR 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 3 Reviews
Offer Rating
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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
17.24% - 27.99% (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 17.24% - 27.99%, 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.
- See additional Citi® Diamond Preferred® Card details
See additional details for Citi® Diamond Preferred® Card
-
Intro APR
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, 18.24% - 28.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
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Sign-Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
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Rewards Rate
3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
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Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- New longer intro period! 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, 18.24% - 28.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- 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 Bank of America® Customized Cash Rewards credit card
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0% Intro APR
0% Intro APR for 15 months on purchases and Balance Transfers, then 16.24% - 27.24% Variable APR.
-
Rewards Rate
5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically
-
Sign-Up 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.
-
Typical Credit Needed
-
Annual Fee
$0
-
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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 16.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click "Apply Now" to see terms and conditions.
- See Rates & Fees
See additional details for Discover it® Cash Back
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