Discover it® – 18 Month Balance Transfer

Discover has always been known for two things, their cash back offers and their 0% offers. The Discover it® is the newest addition to the Discover card family and it lives up to its name. The card gives 5% cash back and has an industry leading 0% offer. Let’s take a look at the details:

Discover it®

Apply for the Discover it®
  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+
  • 5% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized Discover card purchases.
  • See rates, rewards, free FICO® Credit Score terms, balance transfer terms and other info by clicking "Apply."

0% Introductory Offer

If you are looking for a card that combines 0% on purchases and balance transfers look no further. The card offers an introductory rate of 0% for 6 Months on purchases and 0% for 18 Months on balance transfers. This is ideal when you you need a little extra time to pay off the charges on a big purchase or need to transfer a balance from high rate card. The balance transfer fee is 3%. After the introductory rate, the APR you receive is 10.99% – 22.99%* Variable, based on your creditworthiness.

Rewards Program

When it comes to earning cash back the Discover it® card has got you covered. You earn 5% in rotating categories that change each quarter. One quarter you might earn 5% for you gas purchases and the next it might be for restaurant purchase. The categories change and you have to enroll in each quarter to be eligible. You get 1% cash back on all other purchases.

Redeeming Your Points

You have several options for cashing in your points. You can use the rewards you’ve earned and get statement credit or get direct deposit of the cash back directly to your bank account. You also have other options like getting gift cards or merchandise. With gift cards, you can redeem your rewards for a gift card with a value exceeding the amount of your rewards. If you have $20 in cash back that might be enough to get you a $25 gift card. You also always have the option to buy merchandise online and get free shipping.

Cashback Concierge

This is a true rewards card and Discover is even willing to help you earn the most with your card. Discover has added a “Cashback Concierge” service for cardmembers which allows you to get on the phone with a Discover representative, and they will look at your account to help you get the most out of your cash back rewards.

Additional Discover it® Details

As expected the card offers a variety of other great benefits. What stands out the most are the fees they aren’t charging.

  • No annual fee
  • No late fee for your first late payment
  • No overlimit fee
  • No foreign transaction fee
  • 100% U.S. based customer service available any time
  • Paying late won’t increase your APR
  • Pay for millions of items with your rewards at Amazon.com
  • Pay your bill ’til midnight (ET) the day it’s due by phone or online
  • Choose your payment due date online or by phone
  • Lower rate, lower payment or other help after job loss
  • Automatic expedited delivery of your new card

How to Apply for the Discover it®

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official Discover it® website. From this page, you can click on the apply now button to go to the Discover it® secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.

To get started, visit the Discover it® official website.

Discover it®
Discover it®
Apply Now...
at Discover's
secure site
  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+
  • 5% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized Discover card purchases.
  • See rates, rewards, free FICO® Credit Score terms, balance transfer terms and other info by clicking "Apply."
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 6 Months 0%* 18 Months 10.99% – 22.99%* Variable $0 Excellent
731 Average credit score approved for this card † 647 Lowest credit score approved for this card †

Disclaimer: See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here” button, you can review the credit card terms and conditions on the issuers website.

Disclaimer: Discover is a paid advertiser of allCards.com