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Discover it® Credit Card (0% for 18 Months on Balance Transfers)

discover it balance transfer credit card
Required Credit Score:
Excellent
4 434 reviews   Write a Review!
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Discover it® Credit Card (0% for 18 Months on Balance Transfers)’s Rewards

Bonus
None
Base Earn
1%
Max Earn
5%
Earn / Redeem Limit
No
  • Get 5% Cashback Bonus on up to $1,500 in purchases at Gas Stations and for Ground Transportation from January through March 2015.
  • Earn 1% cash back on all other purchases.
  • 5% to 20% Cashback Bonus through the exclusive online shopping mall
  • Choose from millions of items at Amazon.com and Pay with Cashback Bonus. $1 cash back = $1 at checkout

Discover it® Credit Card (0% for 18 Months on Balance Transfers)’s Key APRs & Fees

Intro Rate on Purchases
0% for 6 months
Intro Rate on Transfers
0% for 18 months
Regular Rate
10.99% - 22.99% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE 3%

Discover it® Credit Card (0% for 18 Months on Balance Transfers)’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   None
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 24.99% (V)
  • CASH ADVANCE FEE 5% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    None
  • SMART CHIP   No
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Human. 100% U.S.-based customer service available any time.
  • Looks out for you-since each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.*
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
Apply Now
at Discover Bank’s
secure site
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Discover it® Credit Card (0% for 18 Months on Balance Transfers) Reviews

 
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1 2 3 4 5
 
4.2
Overall Rating: 4.2 / 5
Total Ratings: 434
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Nov 28, 2014
Photo of Robert B.
5
By:
Nov 28, 2014
Discover made the application process simple, but thorough. We were able to transfer an outstanding balance from a high interest rate card to take advantage of the 0% for 18 months. When I called the helpline for a status, I got someone on the phone immediately - no wait and they answered my question without putting me on hold. So far, excellent service.
Nov 20, 2014
Photo of Elias C.
4
By:
Nov 20, 2014
The most enticing thing about this discover card is the 18 months of zero interest on balance transfers. I took a higher interest chase card and balance transferred saving me over $50 a month! The rewards are not as good as competing cards but what I save in interest charges more than makes up what I would get in rewards.
Sep 30, 2014
Photo of Miranda S.
4
By:
Sep 30, 2014
I really like my Discover Card. I think the benefits are decent and have not had a problem with them so far. I also find their website and mobile app to be very helpful. If you have not paid and it is getting close to the due date, they send out an email to remind you. Also, they have caught suspicious activity on my card before I even saw it.
May 1, 2014
Photo of Eirelav N.
4
By:
May 1, 2014
I'm very pleased with my card. I never have to worry about billing drama or policy confusion. They're always very helpful and accommodating and I love getting cashback bonuses.
Mar 19, 2014
Photo of Cheryl R.
5
By:
Mar 19, 2014
I use this card to purchase everything. I use it for when I go out to eat, when I go out to the movies, when I need some gas or groceries. I love using this card for every purchase because I know this card will give back to me with how much I spend. Every time I spend, I get cash back. I love it!
Mar 14, 2014
Photo of Melissa L.
5
By:
Mar 14, 2014
I LOVE this card ! The cash back categories are great ! I especially like the ability to use your cash back reward money when shopping at Amazon ! Hooray for free sandals !!!
Mar 11, 2014
Photo of Jim L.
5
By:
Mar 11, 2014
The Discover IT card is a great card to have because of not only the 5% rotating categories but also the lack of a foreign transaction fee. As a frequent traveler to Japan, I like the fact that I can use my Discover IT card everywhere simply because Discover shares a network with JCB, a large payment processor in Japan. I can still rack up rewards and not incur transaction fees. I highly recommend this card as a supplemental card or even as a daily-driver.
Dec 6, 2013
Photo of Timpani P.
4
By:
Dec 6, 2013
I had a discover rewards card and I enjoyed how it let me transfer a high balance with a 0% APR. It helped me not have to pay interest while I paid off a high balance on the card. It was also useful for giving rewards until I was able to cancel the card (along with all my credit cards) and get out of debt for good. Although I don't usually recommend doing balance transfers, it worked in this case to help me get out from under a large interest rate on a large balance.
Sep 30, 2013
Photo of Ana B.
4
By:
Sep 30, 2013
I've had my Discover card for about a year now and have not been disappointed. Their customer service is friendly and accessible compared to most companies I've dealt with. Their interest rates have been reasonable, and there's no annual fees attached. The rewards program often requires you to activate different categories to earn rewards for online, which is easy to forget to do. However, it's a nice program that allows you to earn money back down the road for other purchases. Overall, I've had complaints about Discover and they've been pleasant to deal with. The only downside is that Discover is accepted at less locations than, say, Visa or Mastercard. more
Sep 30, 2013
Photo of Rachel R.
4
By:
Sep 30, 2013
I like the Discover It card, because besides the Citi cards there wasn’t much else out there for 18 month balance transfers. They do charge 3% flat fee for balance transfers, but that seems to be standard. I did have to call in because I had a question, and was surprised that an actual human answered the phone and I did not have to wait long to get a hold of someone, and from that perspective seems to be different from some of the other cards I have. They do have the cash back like the other Discover cards do, with the rotating categories which can be nice if you more
Sep 6, 2013
Photo of Abby L.
4
By:
Sep 6, 2013
The discover It card is great! I had the regular discover credit card before and I called Discover to upgrade to the new Discover It credit card. They allowed me to to upgrade to this credit card right away. The customer service was great and they answered any questions that I had regarding my new credit card. I like how they do not charge you a foreign transaction fee. My bank of america credit card charges for foreign transaction fee. I hate that. Only down side of this new It card is that they only have limited design of the credit card.
Jan 3, 2013
Photo of Jennifer S.
5
By:
Jan 3, 2013
It was the cash back bonus that drew me to this card. I was unsure about getting a credit card, I've seen too many people dig themselves into a lot of trouble with them, but when I received an offer for this one in the mail, I went ahead and applied. I use it for purchases I would have made anyway, like groceries, or Christmas gifts, and then pay it off at the end of the month. So I don't carry a balance, but I get the benefit of the cash back bonus. Taking advantage of the extra 5% bonus is an even better way to use the card. In more
Jan 3, 2013
Photo of Robert I.
4
By:
Jan 3, 2013
I have always been scared to get a credit card and would always laugh at the idea of having one. I thought that if you had cash, use it and don’t buy things you can’t pay for. I realized that I had decent credit and needed to boost it up a little if I ever considered getting one. I decided to get a discover card because my mom told me it was easily the best card she ever had and I knew she had experience. I would say the only problem with the card is that I can’t pay off certain bills but I really like how I can use more
Dec 26, 2012
Photo of Mi G.
5
By:
Dec 26, 2012
For all of my adult life, I have dreaded getting a credit card. For some inexplicable reason, Ive always felt it would be best if I didn't have one. I preferred the feeling of cold hard cash, and I was very content with using my husband's card whenever I needed it. That all changed last year. My husband insisted I build my credit up, and I applied for a few different cards and did just that. Now I have very good credit, and for the past six months I've been using the Discover More Card, and I just love it! Christmas just passed, and I did all of my shopping more
Dec 26, 2012
Photo of Treasa U.
5
By:
Dec 26, 2012
This is really an awesome card. I got an offer for 0% APR for 12 months and 0% apr on balance transfers too. Couldn't beat that. Ofcourse the only thing with Discover is that it's not as widely taken as VISA and MC. When it comes to shopping, most stores take Discover. But when it comes to paying bills, you may find that you have to use a different card if you're a person who prefers to pay your bills by phone or online. Another great feature of this card is the cash back program. To get money back on purchases that I need to make just for using this more
Dec 19, 2012
Photo of Becky M.
4
By:
Dec 19, 2012
I got my very first credit card about 3 years ago. I had an extremely limited credit history and was finding it very difficult for any company to approve me. Then Discover approved me starting at a 500 dollar limit with no interest for a select period of time! Over then next year and half I paid all of my payments on time and they kept increasing my limit by 250 dollars all the way up to 1250. I enjoy their online banking where I can pay as well as look at all of my transactions. My favorite aspect of going through bank of America is their cash back bonus. more
Dec 19, 2012
Photo of Kathleen M.
4
By:
Dec 19, 2012
Discover has always been a reputable card to have. I have had the card for several years now and find that the only drawback is that it is not always accepted in stores and with some online retailers. When I signed on to get the card, the offer was 0% interest for six months and that was great because I was trying to pay my bill off every month, and this allowed me to do that because I wasn't paying interest on top of my purchases.
I was also pleased with Discover when they noticed some "abnormal" activity on my card. They stopped authorization of my card until I called more
Dec 19, 2012
Photo of Flora F.
5
By:
Dec 19, 2012
I've been a Discover Card user for over 10 years and it's always very reliable, secure and beneficial. The bill is clear, itemized, and easy to understand. They are very secure, they don't put down your credit card number on the bill for security purposes. I had an issue with identity theft and they caught it right away. They stopped the card to prevent any unauthorized purchases. Their biggest benefit is security. They always check with you if you have made unusual purchases or any changes made to your account. Customer service is excellent. They answer your questions and are helpful. Benefits is the Cashback Bonus. It's great! Get Cash more
Dec 14, 2012
Photo of Shannon J.
4
By:
Dec 14, 2012
I used to have an American Express card until all of the area businesses decided to stop taking it. I dislike VISA so I decided to go with Discover. This card is pretty basic and that's what I like about it. The statements are easy to understand. Usually I just buy what I need for the month, groceries, online bills, gas, etc... and then when it comes in I just pay off the balance. You don't get charged interest rates doing it this way. The rate isn't too bad even if you did have to pay the rates. You have to have excellent credit to be approved for this card more
Dec 14, 2012
Photo of Ty B.
4
By:
Dec 14, 2012
Discover gets a lot of grief for not being an Amex or a Visa, but I’ve found that they are accepted most everywhere now. I have always had great experiences using this card in the past. The availability seems to have increased quite a bit. This is your basic credit card, but it suits my needs perfectly. I mostly use it to purchase things that I already bought and just pay it off at the end of the month. I don’t have to worry about interest rates that way. If you are looking to not have a Visa or pay annual Amex fees, then this might be a good choice. more
Dec 14, 2012
Photo of Prescott K.
5
By:
Dec 14, 2012
I was recently browsing for cards that had a 0% intro rate and came upon the Discover Card. The application process was pretty painless and I was accepted within minutes and not days like some cards can take. Since then I've really had no issues at all yet. I love the online management they offer and as long as I pay my balance off I will incur no finance charges for 6 months. The one downside to Discover as a whole is that they still aren't accepted everywhere yet. But on the whole I have found most major chains and stores do accept it. If your looking for a solid more
Dec 7, 2012
Photo of Joy V.
4
By:
Dec 7, 2012
I have had my Discover Card for a while now. I applied for the great Balance Transfer Rate, and I kept the card for purchasing a new work shop. The Interest Rate isn't to bad, especially compared to my old Bank of America credit card. Currently I'm working to get the balance paid off, I expect it won't take more than 8 months. I always receive friendly service, that is easy to understand, when I call in. I have always contacted a call center in the US, not over seas.
Dec 7, 2012
Photo of Serina W.
5
By:
Dec 7, 2012
I highly recommend the Discover card. Discover has gained so much acceptance over the past few years and I have always been able to use the credit card no matter where I made my purchase (including online). With my Discover card I've always experienced very simple, hassle-free transactions and helpful customer service. I absolutely love their Cashback program. I had just recently chosen a $20 Discover gift card for my points redemption and boy does it come in handy! I also love the ability to pay my bill directly on their website which is extremely user-friendly. I do have other backup credit cards, but Discover is always my go-to card.
Dec 7, 2012
Photo of Lori M.
5
By:
Dec 7, 2012
I love, love, love my Discover More card! It's been a lifesaver on more than one occasion. My car broke down and I needed a hotel room over night while the car was being fixed. I didn't have my debit card with me and I didn't have enough cash to cover the deposit on the room. Thankfully my credit card was in it's sleeve. That was the first time I had to use my card, but it wasn't my last. A few months later my car broke down again, time for a new car I know, and this time the repair was quickly done and I was on my way, more
Nov 30, 2012
Photo of Josh M.
5
By:
Nov 30, 2012
My girlfriend and I have been sharing this card for a few months and it's been a god-send! Of the other options we've had, Discover has been one of the best choices we've made! We didn't really need the card, but we decided we should have one in case we run into an emergency. Well, sure enough, just a few weeks ago, she hit a deer while driving home, and put some pretty bad dents in the car. We just put all the repairs on the card, and we've taken our time paying it all off. I would definitely recommend it as an option to anyone looking for a credit more
Nov 30, 2012
Photo of Rusty H.
5
By:
Nov 30, 2012
I've had this Discover Card for over 6 months now and I must say I love it. Discover is always a great choice for anybody looking to get a credit card. Customer service is always top notch any time I have to make a call to them, as they are always able to assist me with my needs and solve all issues very quickly. I receive my bill each month on the same day like clock work and they give you ample time to pay it and make sure you can get it back before the due date. I haven't had one issue with to date and the way they more
Nov 30, 2012
Photo of Jesenia M.
5
By:
Nov 30, 2012
Discover Card has proven to be an outstanding credit card option. I transferred preexisting balances at high rates and have been able to significantly reduce the debt with their rates. At times when I've had questions or needed help having a card replaced, the customer service lines have been efficient and very helpful. I'm looking forward to taking advantage of some of their rewards programs. More places seem to be accepting Discover. I use it regularly when I go grocery shopping and to the movies. I'll probably start using to to pay some of my monthly bills such as my cell phone service.
Nov 20, 2012
Photo of Bob H.
5
By:
Nov 20, 2012
This really is a pretty nice card. I've been working for a while now to decrease a bunch of debt I stupidly got on credit cards. This was really a great find for transferring a good chunk of my credit earning balance. I was especially pleased that it has a 18 month period of no interest on balance transfers. That should give me more than enough time to pay it off. I used to think that Discover wouldn't be accepted in many places; but, it seems to be accepted almost everywhere. Also, since I don't plan to make many purchases with it, it doesn't matter.
Nov 15, 2012
Photo of Jay B.
4
By:
Nov 15, 2012
My Discover card is definitely worth having. I not only get cash back when shopping at certain stores, like some other cards offer, but I also get cash back when I use it to pay for my gas and my groceries. Which is what makes this card a win-win in my book. The fact that there is no annual fee is also a plus. I decided to get a second card for my husband to have and when I called to ask about it the customer service rep was more than helpful and extremely nice. The bonus from getting the second card, it didn't cost me anything. That is not more
Nov 8, 2012
Photo of Michelle K.
5
By:
Nov 8, 2012
I am a big fan of this card. It is my first and only Discover card. I have a couple other credit cards that I also use regularly. One of the things that drew me to this card is the 0% interest for 18 months on balance transfers. At the time I first got this card, I had a couple other cards that I had balances on that had fairly high APRs. I saved a lot of money transferring my balances to my Discover card and I loved that I had 18 months to pay them off without accruing any interest! I also feel that the 23 day grace period more
Nov 8, 2012
Photo of John R.
5
By:
Nov 8, 2012
My Discover More credit card is one of my favorites. When I first received it, I was surprised at how low the interest rate was; I actually called to make sure it wasn't wrong. Although there are not many rewards to go along with this card, the cash back bonus is a really nice perk when combined with the low interest rate. I always get a little bit back no matter where I shop, and sometimes I even get cash back rewards from shopping online. It really helps during the holiday season when I'm short on money. I've used mine for over a year now and have had zero problems more
Nov 8, 2012
Photo of Connie O.
4
By:
Nov 8, 2012
I had to work a little on my credit before I got this card, but now that I have it I'm very happy with it. I love the 5% cash back offer and since I have to travel for work, I use it often on gas and it really has helped ease the cost of the pump. The cash back and no annual fee is the reason I chose this card, but I stay because of the excellent customer service and extended warranty service, plus I got to take advantage of the promotional 18 month balance transfer. This is a great card, the only downside I can see is that more
Nov 8, 2012
Photo of Ricky S.
5
By:
Nov 8, 2012
I signed up for the Discover card to take advantage of the 18 Month 0% interest balance transfer. This was my first Discover card and I was bracing for the same "herd" treatment that I have experienced with other cards. That didn't happen. From the very first call to activate I was transferred to a real human who was nice and extremely helpful. The agent was not a pushy salesperson, but was giving me information about using the card and educating me on benefits I did not know I had. The balance transfer went through without a hitch. I couldn't be happier. I would recommend this card to any one more
Nov 1, 2012
Photo of Shannon J.
5
By:
Nov 1, 2012
Discover More Card - 18 Month Promotional Balance Transfer is the perfect card for me. I don't use many of the frills and such on any of my credit cards so I basically look at customer service and interest rates. You do get a percentage back from your purchases which helps everybody. I lost my card a while back and had to get a replacement.. I was afraid of having to deal with this process but truth be told it took all of about 10 minutes to cancel the one account and make a new one. I had my new card in the mail in a few days. There is more
Nov 1, 2012
Photo of Joe M.
4
By:
Nov 1, 2012
The Discover More Card has been an excellent card for the entire time I have used it. The biggest issue that I have with it is that some places do not accept it and I have to use an alternative. I really wish more merchants would accept this card because it is easy to earn points on it. I often will go to the Discover Card website and choose from merchants that accept the card before deciding to purchase something online. Many times there are bonuses for additional points that are promotional. You can really earn big if you buy necessities like gas or groceries using this card. They offer more
Nov 1, 2012
Photo of Deja A.
4
By:
Nov 1, 2012
I use my Discover Card as my default credit card. I am forced to carry a Visa because there are still stores that do not accept Discover. The rewards I get from Discover are the main reason I use this card. The rewards are very easy to track and Discover offers bonus rewards on many items and services I use. Redeeming the rewards is also very simple. Using their website I can either have gift cards sent to my home or shop directly through their site. Their reward partner list is extensive and I am able to get exceptional benefits and value from my Cash Back.
Oct 11, 2012
Photo of Carl A.
4
By:
Oct 11, 2012
I really like my Discover card because if the zero percent balance transfer. I had a lot of high interest credit card bill that I was able to consolidate on this card. It has been saving me a lot for the last six months and I almost have my balance down to an acceptable limit. The one percent cash back is also a nice bonus. I would recommend this card for people that would like to consolidate their credit card bills. 18 months is a long enough period of zero percent to allow most people to get their credit card bills under control.
Oct 11, 2012
Photo of Kittie K.
5
By:
Oct 11, 2012
This was a card I got to lower my overall interest earning debt. It was really great for that. I especially liked the 18 month term without interest and that the transfer fee was only 3%. The typical term I saw during my research was 12 months and a 4-5% fee isn't uncommon. I haven't yet made any purchases with the card because I used all my available credit to transfer a balance but when I do, I intend to really take advantage of their good cash back offers on rotating categories. Bottom line: if you need to transfer a balance, this is one of the best cards out there.
Oct 11, 2012
Photo of John F.
5
By:
Oct 11, 2012
My Discover card is probably the best card I've ever owned. My sister recommended it to me because my last credit provider was unwilling to work with me regarding an issue that was THEIR fault! I immediately paid off my other card with this one just so I wouldn't have to deal with those idiots, who shall remain nameless. The Discover rewards program is very nice as well. I always use my card to buy gas and whenever I eat out, because I get 5% cash back. To be honest, I use to never like using credit cards, but I truly enjoy using this one because I know I will more
Oct 4, 2012
Photo of Jess W.
4
By:
Oct 4, 2012
I got this card about 3 years ago in order to transfer a balance for a computer I bought with another credit card when my computer from college died. The promotional rate sounded like a great deal and I wanted to be able to pay off the computer without a lot of interest. The card came in the mail quickly and I was able to use it almost immediately. The balance transfer was very easy and happened very quickly as well. The 3% fee was not a horrible increase, and was definitely better than the 12% interest the other credit card was charging me! I was able to pay the more
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May 28, 2014
Photo of Lee S.
By:
May 28, 2014
Limit on 0% APR Balance transfer amounts.
May 29, 2014
Photo of Card H.
May 29, 2014
You can call Discover's customer service at 1-800-347-2683 and you will get an answer to your question.
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Last updated on: Dec 19th, 2014 at 6:12 EST