Discover it® - 18 Month Balance Transfer Offer

Apply Nowon Discover's secure website, or call (800) 347-0264
Apply Nowon Discover's secure website, or call (800) 347-0264

Discover it® - 18 Month Balance Transfer Offer

Apply Nowon Discover's secure website, or call (800) 347-0264
Apply Nowon Discover's secure website, or call (800) 347-0264

Card details

  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

APR, Variable

APR: 11.99% - 23.99% Variable APR

Cash Advance APR: 25.99%, Variable

Pros

  • Bonus cash back categories
  • No annual fee
  • 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months
  • No foreign transaction fee

Cons

  • Slightly less merchant acceptance for Discover in US - acceptance outside of US can be an issue
  • If you value simplicity, a flat rate cash back card may be better

Rewards rate

1.00%

Annual fee

$0

Intro APR

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

Recommended credit score

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NerdWallet Review

Author: Ben Luthi

Some of the best balance-transfer credit cards on the market don't offer rewards. The Discover it® - 18 Month Balance Transfer Offer is an exception. Not only does the card offer 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months, and then the ongoing APR of 11.99% - 23.99% Variable APR, but you'll also earn cash back on your spending.

Plus, Discover offers a fantastic sign-up bonus: Discover will match ALL the cash back earned at the end of your first year, automatically. Add to that free access to your FICO score, an online bonus mall where you can earn even more rewards, and a $0 annual fee.

Note that this card charges a 3% fee on each balance transfer. All things considered, however, the Discover it® - 18 Month Balance Transfer Offer provides a package deal for people who want to save on interest while paying off their debt, and get rewards while they're at it. For more information, read our full review.

NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

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