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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Rated 4.5/5 stars by our editorial team
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Your Rating:
4.0/5.0 from 3 Offer Ratings
Over the Past 60 Days!
Regular Purchase APR
16.24% - 27.24% Variable APR
Intro Purchase APR
0% Intro APR for 6 months
Intro BT APR
0% Intro APR for 18 months
Typical Credit Needed
Annual Fee
$0
Card Brand
Discover
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.
$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
Concierge Service
No
Regular APR
4.5
Intro APR
4.5
Fees
4.5
Benefits
4.0
Overall Rating
4.5 /5
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.
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.
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.
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.
Regular APR
4.5
Intro APR
4.5
Fees
4.5
Benefits
4.0
Overall Rating
4.5 /5
4.0 out of 5.0
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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
Featured
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Rated 5/5 stars by our editorial team
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Your Rating:
4.5/5.0 from 20 Offer Ratings
Over the Past 60 Days!
Intro Purchase APR
0% for 12 months on Purchases
Intro Balance Transfer APR
0% for 21 months on Balance Transfers
Regular Purchase & BT APR
17.24% - 27.99% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi® Diamond Preferred® Card
on Bank of America's secure site
Rated 5/5 stars by our editorial team
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Your Rating:
4.6/5.0 from 13 Offer Ratings
Over the Past 60 Days!
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.
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
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
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Bank of America® Customized Cash Rewards credit card
on Discover's secure site
Rated 4.5/5 stars by our editorial team
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Your Rating:
4.1/5.0 from 28 Offer Ratings
Over the Past 60 Days!
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
See additional details for Discover it® Cash Back
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Credit Card Providers determine the underwriting criteria necessary for approval, you should review each Provider's terms and conditions to determine which card works for you and your personal financial situation. All reasonable efforts are made to provide and maintain accurate information. All credit card rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Provider's discretion. There is no guarantee you will be approved for credit or that upon approval you will qualify for the advertised rates, fees, or terms shown. The “Typical Credit Needed” information is provided by the Credit Card Providers and is not a guarantee of approval.
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Credit Card Balance Transfer Calculator:
ASSUMPTIONS:
The Credit Card Balance Transfer Calculator assumes the full balance of the credit card will be transferred to a 0% APR credit card and regular payments will be applied. The calculator also assumes a $0 balance transfer fee for certain cards that have a promotional introductory balance transfer fee. LendingTree does not guarantee the accuracy of the results and you should seek individualized advice from qualified professional(s) who can assist you in regard to your personal financial circumstances. The actual savings does not take into account any fees or other charges by the card issuer. Please read all terms and conditions of the credit card offer carefully before making a decision. All tools and calculators are deemed examples and are for illustrative purposes only. Your final payment, interest rate, loan, amount and/or fees are unknown and all calculations are estimates only.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Between 720 - 850
Credit cards for excellent credit are intended for those with a credit score between 720 - 850.
Between 660 - 719
Credit cards for good credit are intended for those with a credit score between 660 - 719.
Between 550 - 659
Credit cards for fair credit are intended for those with a credit score between 550 - 659.
Between 300 - 599
Credit cards for poor credit are intended for those with a credit score between 300 - 599.
- - -
Credit cards for no credit are intended for those without an established credit score.
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.
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