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Discover it® - 18 Month Balance Transfer Offer

Discover it® - 18 Month Balance Transfer Offer

 

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Your Rating:

3.7/5.0 from 116 Offer Ratings
Over the Past 60 Days!

(116) Over the Past 60 Days!

  • Regular Purchase APR 11.24% - 23.24%* (Variable)
  • Intro Purchase APR 0%* for 6 Months
  • Intro BT APR 0% for 18 Months
  • Annual Fees $0
  • Credit Needed

    Excellent/Good Credit

  • Card Brand Discover

Card Details

Highlights

  • Click "APPLY NOW" to apply online or call 888-333-5886
  • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements and online.
  • No annual fee.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Card Fees

Late Payment Fees No late fee on your first late payment*

Foreign Transaction Fee None

Balance Transfer Fee 3%

Penalty APR None

Ongoing Information

Rewards Cap 5% rewards categories cap at $1,500/quarter

Rewards Rate 5% on rotating categories & 1% on everything else

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance No

Purchase Protection Yes

Travel Assistance No

Flight Accident Insurance Yes

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the CompareCards.com Editorial Team

With the Discover it credit card you can earn a solid 1% cash back on all of your purchases, plus 5% of your purchases that are made in specially designated bonus cash back categories. The strong earnings categories change on a regular basis through the cash back program calendar associated with the Discover More credit card program – but they typically include such popular ones as products and services related to travel, dining, groceries, and gas. As an exclusive offer, you can earn double cash back at the end of your first year of cardmembership.*

The cash back you earn won't expire as long as your account is open and in good standing, and it's very easy to redeem the cash back you've earned as a statement credit towards your account. You can also redeem the accumulated rewards by making a charitable contribution of your liking, or by converting them into purchasing power for merchandise or gift cards.

The Discover it credit card additionally offers new card members a 0% introductory APR for 18 months on balance transfers from the date of account opening, followed by an APR that can be as low as 11.24% (Variable*) if your credit rating is high enough to be eligible.There is also no annual fee, rounding out the host of benefits and cash back opportunities available from this unique rewards card.

Expert Reviews of the Discover it® - 18 Month Balance Transfer Offer

  • 4.5

    Regular APR

  • 4.5

    Intro APR

  • 4.5

    Fees

  • 4.0

    Benefits

  • star rating 4.5/5

    Overall Rating

The Bottom Line

By offering an excellent cash back program, a great balance transfer offer, and no annual fee, this credit card is a great choice for just about anyone.

The Good

There is no limit to the amount of cash back you can earn with the Cashback Match intro offer, so you could rake in a huge sum of rewards during your first year. Also, having no annual fee and 18 months of 0% APR on balance transfers makes this a great choice for people trying to save money on balance transfers.

The Not so Good

This may not be the card for you if you want to earn a consistent rewards rate on all of your purchases.

Editorial Note: This content is not provided by Discover. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Discover.

Consumer Reviews

  • star rating mask

Offer Rating

3.7/5.0

116 Total Ratings

5 Star
 
 
(25)
4 Star
 
 
(48)
3 Star
 
 
(32)
2 Star
 
 
(8)
1 Star
 
 
(3)

Your Rating

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+94 users submitted a rating without a full review

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4 Found this review helpful

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By: | Jun 26, 2015

WE LOVE OUR OLD DISCOVER CARD. WE HAVE HEARD OVER A YEAR AGO THAT THE " IT CARD" HAS A SMALL COMPUTER CHIP IN IT. IF THIS IS TRUE " WHY IS A COMPUTER CHIP IN IT ??"

15 Found this review helpful

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By: | Apr 7, 2015

My Discover card is more forgiving than my other cards as far as interest rates and payments. I also love that you can get cash back bonuses. Their representatives are always willing to work out any misunderstandings and really listen to your needs.

13 Found this review helpful

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By: | Apr 4, 2015

been using this card for almost 1year now and i start my credit score on this card i guest what i really like about it it's cash back reward , i never seen a card that really gives you a cash back, my capital one sucks.. i may start to close it after i finish paying it and ask for an increase on discover card...

36 Found this review helpful

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By: | Mar 22, 2015

Discover 18 months no interest has helped me to get a couple cards transferred that had a higher interest rate. Even though I won't have the balance paid off by the end of the 18 month it is still a nice way to get out of debt while establishing a better credit score. I find their customer service staff very professional and understanding. Even at their highest interest rate they are still lower then the two accounts I transferred. I always compare interest rates to see that I am going in at a lower rate. I am trying to be debt free with one card for major emergencies and feel this one is the most compliant card that meets my every need when weighing out all the pro's and con's.

5 Found this review helpful

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By: | Feb 2, 2015

I love Discover it, never had a problem

41 Found this review helpful

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By: | Oct 8, 2014

This card is fantastic! When I opened it, I received 15 months of 0% interest on balance transfers. The commercials are correct when they insinuate that Discover Customer Service is easy to deal with. Any time I called, I had reps that were easy to talk to, understanding, and spoke fluent English. I had one late payment that was covered under their late payment policy and then had one more down the road and they graciously removed my late payment fees as well as some interest associated with the fees. My Discover It is paid off now, but I plan to keep it in my wallet for when I need it again.

67 Found this review helpful

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By: | Oct 8, 2014

Excellent card as far as cashback goes. I like that every quarter has different areas that you can earn 5% cashback on your purchases. However, they are very slow & reluctant to give credit line increases which is why they didn't receive 5 stars from me. I will say they have the best customer service of any credit card company I have had. It is so refreshing to always know you can talk to a representative that you can understand and will make sure you receive the best service. Also, cashing out rewards is simple and easy, love that!

28 Found this review helpful

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By: | Oct 8, 2014

This is a great starter credit card, they will literally accept anybody. Use is responsibly and you will build credit in no time. There is no annual fee and the rewards are pretty awesome. You can earn up to 5% back every quarter on different purchases. In addition, you can get $50 cash back for every person you refer to Discover. You can refer up to 10 people a year for a total of $500, which is an awesome perk if you can convince your friends. Anyways, this is an all around great card, no complaints here.

50 Found this review helpful

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By: | Oct 8, 2014

I think the discover card is one of the easiest card companies to deal with. I have never had any problems except once when i wanted to pay my bill online and the website was down. Of course this was a friday and bill was due that day. i ended up calling them and it was no problem even though i did not get to talk to a person until Monday. no late fee, no problem. I also like the rewards program. It is pretty easy to get a lot of $ accumulated with the 5% bonus categories they always have. And you can get deals on redeeming for some of the rewards. I like my Discover card a lot and use it not all the time but most of the time. there are a few places that don't take discover and I always tell those places they should accept it because it is becoming more and more popular all the time.

29 Found this review helpful

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By: | Oct 7, 2014

love my discover card, they have always had my back and have the greatest rate.

36 Found this review helpful

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By: | Oct 7, 2014

Discover it is a really great credit card - I love that they provide your credit score free of charge every month. Their customer service is very helpful and always professional. I also love that Discover provides an extended warranty in addition to warranties provided for purchased products. The only thing I would like to improve is their improve their credit card is to lower their apr percentage ratings.

9 Found this review helpful

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By: | Oct 7, 2014

discover it is one of the best credit cards out there. they have a very good customer service team that is proffesional. discover it is one of the best rewards credit card out there, i have never had any problems with them.

15 Found this review helpful

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By: | Oct 7, 2014

Discover has the best customer service. It's not as popular as Visa or Mastercard, but the customer service wins me over. I love that this card doesn't have an annual fee & has good cash back options. I don't love that the 5% cash back categories never seem to line up with my purchases.

33 Found this review helpful

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By: | Oct 7, 2014

Yes! Discover card is still around and doing well. This is a good card with a good company that does all they say they will do. The interest rates on this card are good. They do send you your credit score too which is nice to know and a good way to monitor for things like fraud. They have fraud protection, I like that. They have good customer service. They are friendly and helpful. There is no annual free. Balance transfers are good. I would highly recommend it.

35 Found this review helpful

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By: | Oct 7, 2014

The best rewards credit card in all. Love their service and their's customer support is so friendly and listens to everything you have to say, and solves every issue you have. The details for each transacrtion is listed ontheir website along with the type of transaction (like Movie/Grocery) to better understand your reward percentage

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