Discover It Balance

The Discover It Balance Transfer Credit Card helps save on debt and earn rewards on new purchases.

Credit Card

Discover It Balance

No Annual Fee 3% Balance Transfer Fee

0% Introductory APR on Balance Transfers for 18 Months

How to Apply You will remain on the current site

With a 0% introductory APR on balance transfers for 18 months and 0% on purchases for 6 months, this card is perfect for consolidating high-interest debt.

The Best Credit Card for Balance Transfers and Rewards

The Discover It Balance Transfer Credit Card shines for those looking to pay off existing debt while earning rewards on everyday purchases. 

Its 0% introductory APR on balance transfers for 18 months gives you ample time to pay down balances without interest, while the 5% cashback in rotating categories ensures you can earn rewards on your new spending. 

Discover also matches all the cashback you’ve earned at the end of your first year, adding even more value. With no annual fee and robust benefits, this card is a great dual-purpose option for managing debt and earning rewards.

Pros and Cons

Pros

• 0% Introductory APR on Balance Transfers for 18 Months
• 5% Cashback in Rotating Categories (Upon Activation)
• 1% Cashback on All Other Purchases
• Cashback Match at the End of the First Year
• No Annual Fee

Cons

• 3% Balance Transfer Fee
• Requires Activation for 5% Categories
• High APR After Introductory Period

How Do I Know if the Discover It Balance Transfer Credit Card Is the Best Card for Me?

The Discover It Balance Transfer Credit Card is ideal for those who need to pay down existing credit card debt while earning rewards on everyday spending. 

If you have a balance on another card with a high interest rate, transferring it to this card can help you save money during the 18-month introductory period. 

Additionally, if you enjoy earning cashback and are willing to activate rotating categories each quarter, this card provides a rewarding way to manage new purchases. 

However, if you’re not planning to take advantage of the balance transfer offer or prefer a flat cashback rate, another card might better suit your needs.

Why Do We Like This Card?

We like the Discover It Balance Transfer Credit Card because it offers a unique combination of financial relief and rewards. 

The first-year Cashback Match is another standout feature, doubling your rewards at the end of your first year with no cap. 

With no annual fee and flexible benefits, this card is an exceptional choice for anyone looking to save money on interest and earn cashback at the same time.