Discover It Balance

Discover It Balance credit card offers convenience, security and financial versatility for all your users.

Credit Card

Discover It Balance

1% unlimited cashback on all purchase Flexible redemption options

Financing option in convenient installments.

How to Apply You will remain on the current site

The Discover It Balance Transfer Credit Card combines powerful tools for managing debt with a rewarding cashback program. Offering a 0% introductory APR for 18 months on balance transfers, a 0% introductory APR for six months on purchases, and a robust cashback structure, this card is ideal for those seeking to consolidate debt and earn rewards simultaneously.

With no annual fee, flexible rewards, and Discover’s signature Cashback Match™ program, the Discover It Balance Transfer Credit Card is a smart financial tool for individuals prioritizing affordability and simplicity.

Balance Transfers That Work for You

The Discover It Balance Transfer Credit Card offers one of the longest 0% introductory APR periods for balance transfers—lasting 18 months. This extended period gives you plenty of time to pay down existing debt without incurring additional interest. While a balance transfer fee of 3% applies, this fee is competitive compared to similar cards, especially considering the lengthy APR offer.

For purchases, the card includes a 0% introductory APR for six months, allowing new cardholders to finance essential expenses interest-free for a limited time. After these introductory periods, a variable APR applies, making it crucial to pay off balances within the promotional window to maximize savings.

Rewards That Add Value

The card’s rewards structure ensures you benefit from everyday spending. Cardholders earn:

• 5% cashback on rotating quarterly categories (on up to $1,500 in combined purchases) when activated. Past categories include groceries, restaurants, gas stations, and online shopping.
• 1% unlimited cashback on all other purchases.

Discover’s Cashback Match™ program doubles all the cashback earned in your first year, effectively turning 5% into 10% and 1% into 2%. This feature significantly enhances the value of the card, especially during the first 12 months.

Added Benefits and Security

Discover’s digital tools simplify managing your account, offering free access to your FICO® Score and alerts for potential fraud. Additional features like $0 liability for unauthorized purchases and on/off card controls provide peace of mind.

Pros and Cons

Pros

• 0% introductory APR for 18 months on balance transfers.
• 0% introductory APR for six months on purchases.
• 5% cashback on rotating categories (after activation).
• Cashback Match™ doubles all rewards earned in the first year.
• No annual fee, keeping costs low.

Cons

• Balance transfer fee of 3%.
• Rotating categories require activation each quarter.
• Cashback capped at $1,500 in quarterly bonus categories.
• Requires good to excellent credit for approval.

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

The Discover It Balance Transfer Credit Card is an excellent choice for individuals focused on consolidating debt while earning cashback rewards. If you’re committed to paying down balances within the promotional APR periods and want to benefit from generous first-year rewards, this card is a standout option.

However, if you don’t frequently spend in the rotating categories or need unlimited cashback across all purchases, other cards may better suit your needs. This card is best for disciplined users who can fully utilize its balance transfer and cashback features.

Why Do We Like This Card?

We like the Discover It Balance Transfer Credit Card for its combination of debt management tools and rewards.

The extended 0% APR for balance transfers, coupled with the unique Cashback Match™ program, makes it a versatile option for those seeking financial flexibility.al spending categories make it a practical choice for budget-conscious individuals.