Discover it® Balance Transfer

Discover Discover Standard Pending

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12

Benefits

2

Reward Categories

5x

Max Reward

18.2%

APR From
Basic Information
PENDING

Program ID: discover-it-balance-transfer

Issuer: Discover

Card Name: Discover it® Balance Transfer

Card Type: Credit

Network: Discover

Card Tier: Standard

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:13

Last Scraped: Jan 22, 2026 06:14

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Rotating Categories
Rotating 		5x Cash Back Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay with PayPal, up to the quarterly maximum when you activate. No Cap
All Other Purchases 1x Cash Back Earn unlimited 1% cash back on all other purchases—automatically. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 5x

Categories: Quarterly rotating categories (e.g., Gas Stations, Restaurants, Amazon.com, Grocery Stores, Digital Wallets, Target, PayPal, etc.). Specific 2026 categories are not yet announced.

Quarterly Rotating: Yes

Cap Amount: $1,500.00

Expiration Policy: Cash back bonus rewards do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None

Redemption Penalties: None

Benefits & Protections (Detailed) 12 Total
PENDING
Customer Service 1
U.S.-based Customer Service
24/7

Speak to a real person any time, day or night, with 24/7 U.S.-based customer service.

Fees 4
No Annual Fee
$0

You never pay an annual fee for the Discover it® Balance Transfer card.

No Foreign Transaction Fees
$0

Use your Discover card when you travel abroad and you won't be charged foreign transaction fees.

No Late Fee on First Late Payment
First late payment

Discover will not charge a late fee on your first late payment.

No Overlimit Fee
$0

You will not be charged an overlimit fee.

Financial Tools 1
Free FICO® Score Access
Free

See your FICO® Score on your monthly statements and online. It's free and based on TransUnion data.

Introductory Offer 2
0% Intro APR on Balance Transfers
0% for 18 months

Get a 0% intro APR for 18 months on balance transfers. After the intro APR expires, a variable purchase APR of 17.24% - 28.24% applies. A 3% intro balance transfer fee applies to each transfer. After the intro offer, the fee is 5% for future balance transfers.

0% Intro APR on Purchases
0% for 6 months

Get a 0% intro APR for 6 months on purchases. After the intro APR expires, a variable purchase APR of 17.24% - 28.24% applies.

Rewards 2
1% Cash Back on All Purchases
1%

Earn 1% cash back on every purchase, every day. There's no sign-ups needed and no rotating categories.

Unlimited Cash Back Match
100% match at end of first year

Discover will automatically match all the cash back you've earned at the end of your first year. There's no minimum spending or maximum rewards.

Security 2
$0 Fraud Liability Guarantee
$0

You're never responsible for unauthorized purchases on your Discover card.

Freeze it®
Instant card freeze

Freeze your account in seconds with the on/off switch on the mobile app and website to prevent new purchases, cash advances, and balance transfers.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $0

TSA PreCheck Credit: $0

Sign-Up Bonus
PENDING

$0

Cash Back

Requirement: Spend $0 in 360 days

Timing: Discover's welcome offer is a Cashback Match, not a fixed upfront bonus. Discover will automatically match all the cash back you've earned at the end of your first year of card membership. There is no specific spending requirement to activate the match. The matched cashback typically posts within 1-2 billing cycles after the 12-month period concludes.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.00%
Min Interest Charge: $0.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: 3% of the amount of each transfer
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 18.24% - 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 6 months

Intro BT APR: 0% for 15 months

Promo Financing: Introductory APR

Promo Duration: 15 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Very Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: The Discover it Balance Transfer card for 2026 typically offers a 0% introductory APR on balance transfers for an extended period (e.g., 15-18 months) and often a shorter 0% intro APR on purchases (e.g., 6 months). A balance transfer fee, usually 3-5% of the transferred amount, applies to each transfer. To be eligible, applicants generally need good to excellent credit (FICO score 670+). This offer is primarily targeted at new Discover it cardmembers or those who have not held a Discover it card in the past 12-24 months. Balances cannot be transferred from another Discover card, and transfers must typically be initiated within 60-90 days of account opening to qualify for the introductory APR.

Max Cards Per Issuer: 1

Min Spend Interval: 60-90 days from account opening for balance transfers to qualify for intro APR

Shutdown Risk Triggers: Manufactured spending, rapid application for multiple credit products (especially within Discover), high cumulative credit limit across all issuers, defaulting on payments, suspicious account activity, abuse of balance transfer offers (e.g., transferring funds to accounts you control for cash access).

Cliff Effect Rules: Discover generally limits individuals to one personal credit card at a time. Applying for a second personal Discover card while already holding one will likely result in denial. Introductory APR offers for balance transfers are typically reserved for new cardmembers or those who have not had a Discover it card in a specified look-back period (e.g., 12-24 months).

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.1 / 5.0

Top Positive:
Excellent customer service, good cashback rewards, helpful for balance transfers, no annual fee, free FICO score.

Top Negative:
Rotating categories can be inconvenient, lower credit limits for some, APR can be high after intro period.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Citi Double Cash Card
  • Chase Freedom Unlimited
  • Wells Fargo Reflect Card

Card Value Score: 80.0 / 100

Est. Annual Rewards: $270.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2024.04