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Discover It Credit Card Promotional 18-Month Balance Transfer

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  • The new Discover it card is out to change the way people think about credit cards.
  • Fair…No annual fee. No over-limit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
  • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback Concierge who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
0% 10.99% - 22.99%* Variable $0 18 months
  • Purchase Intro Period: 6 months
  • Balance Transfer Intro Rate: 0%
  • Balance Transfer Rate: 10.99% - 22.99%* Variable
  • Cash Advance Rate: 24.99%
  • Late Fee: Up to $35
  • Cash advance Fee: 5%, Min: $10
  • Balance Transfer Fee: 3% of transfer amount
  • Cash Advance Minimum: 10 $
  • Balance Transfer Minimum: 10 $
  • Credit Profile: Good Credit Score

Discover It Credit Card Promotional 18-Month Balance Transfer Review

The Discover It Credit Card is Discover's latest credit card and their flagship after their rebrand.  It's a consolidation of all of Discover's previous cards (Miles, Open Road, etc) in that it's both a great low-APR credit card and a solid rewards credit card .

The most stand out feature of this card is the promotional 18 months of 0% interest on balance transfers, which means the card is effective for subsidizing large purchases over time and for transferring balances from an existing card.  But unlike most balance transfer cards, the Discover It Credit Card also comes with a very competitive cash rewards system, including 5% cash back (up to $1500) in rotating categories and 1% cash back on all other purchases.  This means that it's an effective card for managing debt, while at the same time providing a very competitive cash back system for earning rewards.

When all is said and done, this is without a doubt one of the best Balance Transfer and low-introductory APR cards on the market.  We believe that the extended balance transfer period (18 months) combined with the rewards program makes this card a top choice. When coupled with Discover's great customer service, it would be hard to go wrong with the Discover It credit card.  The only other cards we might suggest for their long zero APR introductory period would be the Chase Slate credit card or the Citi Simplicity credit card.