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0% intro APR on purchases and balance transfer for 15 months

Discover it® Balance Transfer Credit Card: Earn up to 5% cashback!


Discover it® Balance Transfer Credit Card is an excellent way to zap your debts while earning rewards! Enjoy the Cashback Match™ doubling all the cash back earned in your first year as an account holder (up to $1,000) and rotating bonus categories giving you up to 5% cash back in qualifying purchases each quarter—you won’t find a better deal anywhere else! Don’t wait any longer! Start enjoying what this card offers today!


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Discover it® Balance Transfer Credit Card helps you consolidate your debts and much more. Check out its benefits!

No annual fee;
0% intro APR on balance transfers for 15 months;
Get 5% cash back in rotating categories;
Discover will match all the cash back you've earned at the end of your 1st year!

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Welcome to the world of financial agility with the Discover it® Balance Transfer Credit Card! This card is your ally in managing debts while unlocking a host of rewards, striking a balance between savings and spending.

Strengths and Special Offerings

  • Introductory APR: Enjoy a low introductory APR on balance transfers, allowing for cost-effective debt management.
  • Cash Back Rewards: Earn competitive cash back on everyday purchases, enhancing your spending experience.
  • Rotating Bonus Categories: Benefit from rotating categories that offer higher cash back every quarter, diversifying your rewards.
  • No Annual Fee: Save more with no annual fee, ensuring added value to your cardholder experience.
  • Security Measures: Stay secure with advanced fraud protection and security features.
  • Free Credit Score: Access your credit score for free, helping you stay informed about your credit health.
  • US-Based Customer Service: Receive assistance anytime with 24/7 US-based customer service.
  • Automatic Cash Back Match: Get an automatic match of all the cash back you’ve earned at the end of your first year.
  • Flexible Redemption Options: Enjoy flexibility with various cash back redemption options, including direct deposit, statement credit, and more.

Limitations to Consider

  • Balance Transfer Fee: A balance transfer fee applies to each transaction, impacting your savings.
  • International Acceptance Issues: Limited acceptance abroad may inconvenience international travelers.
  • Rewards Cap: The quarterly cap on bonus category rewards limits earning potential.
  • Good to Excellent Credit Required: A higher credit score is necessary for approval, limiting accessibility.
  • No Travel Perks: The card does not offer significant travel-related benefits or rewards.
  • Category Activation Required: Users need to activate bonus categories each quarter to earn higher rewards.

The Discover it® Balance Transfer Credit Card is a versatile financial tool, blending debt management with rewarding features. Despite some limitations, its suite of benefits makes it a valuable companion for those seeking to harmonize their financial journey.

Discover it® Balance Transfer Credit Card is great for people looking to consolidate their credit card debt. The card offers a 0% APR on balance transfers for the first 15 months, which can help ease the burden of high-interest debt. The card has many other benefits, including cash-back rewards and no annual fee.

Yes. One of the main advantages of this credit card is its reward offers! Cardholders can earn 5% cash back on rotating categories each quarter, like gas stations, restaurants, and wholesale clubs! Plus, they can also get 1% cash back on all other purchases. These points can be redeemed for travel rewards and more.

Applying for this credit card is simple! You’ll only need to access their official website and fill out a form with your personal and financial information. After that, submit your form and wait for Discover results. Remember that you must meet some requirements to qualify for this card, including being of legal age, having a valid SSN, and having a good to excellent credit score!

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Apply for the Discover it® Balance Transfer Card

Get the lowdown on how to apply for Discover it® Balance Transfer Credit Card! Enjoy 0% intro APR and more! Keep reading!

Wells Fargo Reflect® Card is also an awesome option to consider when tackling your debt.

You can apply online and enjoy an intro APR for up to 21 months! Take advantage of this stellar card by reading more in our application guide post below—you won’t regret it!

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Wells Fargo Reflect® Card application

Want to get the Wells Fargo Reflect® Card? Our post has all you need to apply easily – don't miss it! Enjoy 0% intro APR for up to 21 months!

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