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Discover it® - 18 Month Balance Transfer Offer

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Discover it® - 18 Month Balance Transfer Offer

 

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  • Regular Purchase APR

    11.99% - 23.99% Variable

  • Intro Purchase APR

    0%* for 6 Months

  • Intro BT APR

    0% for 18 Months

  • Typical Credit Needed

    500

    600

    700

    850

  • Annual Fee

    $0

  • Card Brand

    Discover

Highlights

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Card Fees

  • Late Payment Fees

    No late fee on your first late payment*

  • Foreign Transaction Fee

    None

  • Balance Transfer Fee

    3%

  • Penalty APR

    None

Additional Card Details

  • $0 Fraud Liability

    Yes

  • Auto Rental Insurance

    Yes

  • Extended Warranty Program

    Yes

  • Roadside Assistance

    No

  • Purchase Protection

    Yes

  • Travel Assistance

    No

  • Flight Accident Insurance

    Yes

  • Lost Luggage Reimbursement

    No

  • Concierge Service

    No


Expert Reviews

  • Regular APR

    4.5

  • Intro APR

    4.5

  • Fees

    4.5

  • Benefits

    4.0

  • Overall Rating

    4.5 /5

From the CompareCards.com Editorial Team

With the Discover it® - 18 Month Balance Transfer Offer credit card you can earn a solid 5% cash back in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate & 1% cash back on all other purchases. The strong earnings categories change on a regular basis through the cash back program calendar associated with the Discover More credit card program – but they typically include such popular ones as products and services related to travel, dining, groceries, and gas. As an exclusive offer, you can earn double cash back at the end of your first year of cardmembership.*

The cash back you earn won't expire as long as your account is open and in good standing, and it's very easy to redeem the cash back you've earned as a statement credit towards your account. You can also redeem the accumulated rewards by making a charitable contribution of your liking, or by converting them into purchasing power for merchandise or gift cards.

The Discover it® - 18 Month Balance Transfer Offer credit card additionally offers new card members an introductory APR of 0% for 18 Months on balance transfers and an intro APR on purchases of 0%* for 6 Months from the date of account opening. There is also no annual fee and no foreign transaction fee, rounding out the host of benefits and cash back opportunities available from this unique rewards card.

The Bottom Line

By offering an excellent cash back program, a great balance transfer offer, and no annual fee, the Discover it® - 18 Month Balance Transfer Offer 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 0% for 18 Months on balance transfers makes this a great choice for people trying to save money on balance transfers.

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.

Expert Reviews of the Discover it® - 18 Month Balance Transfer Offer

  • Regular APR

    4.5

  • Intro APR

    4.5

  • Fees

    4.5

  • Benefits

    4.0

  • Overall Rating

    4.5 /5


Consumer Reviews 0 Reviews

Your Rating

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+-3 users submitted a rating without a full review

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By: | 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.

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By: | 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.

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By: | 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


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