Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
» This offer has expired
The offer described in this article has expired. For up-to-date information, check out NerdWallet's best balance transfer credit cards.
Discover is now offering a 21-month 0% APR period for balance transfers, matching the longest 0% offers from its major competitors.
Previously, the card now known as the Discover it® Balance Transfer offered 18 months at 0% APR for balance transfers, and six months at 0% for purchases. Now Discover has improved the offer: It's offering 21 months of 0% APR on balance transfers, and six months of 0% APR for purchases.
The move makes it a much stronger competitor with other 0% APR cards in the 21-and-over club, such as the Citi® Diamond Preferred® Card — especially since it's the only card in this group from a major issuer that offers rewards and a sign-up bonus. Like most other cards in this category, it has an annual fee of $0 and charges a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.
For details on the rewards and the bonus, see our full review. However, we recommend using it as a “just-for-debt” card until you've paid off your transferred balance. Its robust cash-back rewards make it the best option for those who want a balance transfer card they can keep using once their debt is paid off.