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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
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.
Consumer Reviews 0 Reviews
+-3 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
-
Cashback Match™
Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*
-
EARN
Up to 5% cash back in bonus categories, 1% on everything else*
-
Redeem
Any amount, any time. Cash back rewards never expire*
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.
See additional details for Discover it® Cashback Match™
-
Rewards Rate
1.25 Miles per dollar on every purchase, every day
-
Intro Purchase APR
0% intro on purchases for 12 months
-
Regular Purchase APR
12.99% - 22.99% (Variable)
Highlights
- Click "APPLY NOW" to apply online
- Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
- Fly any airline, stay at any hotel, anytime
- Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% variable APR after that
- Travel when you want with no blackout dates
- No foreign transaction fees
- Miles won't expire for the life of the account and there's no limit to how many you can earn
See additional details for Capital One® VentureOne® Rewards Credit Card
-
Intro Purchase APR
0%* for 21 months on Purchases*
-
Intro BT APR
0%* for 21 months on Balance Transfers*
-
Regular Purchase APR
13.99% - 23.99%* (Variable)
Highlights
- Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer
- Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee*
- Free access to FICO® Scores*
See additional details for Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases
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