Discover balance transfer credit cards

You have over a year to make interest-free balance transfers.

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Check out Discover cards if you’re looking to make a balance transfer, want an intro APR, no annual fees and rewards.

Compare Discover balance transfer credit cards

At the time of this writing, Discover offers three cards with balance transfer intro APRs:

Name Product Amount saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
Discover it® Cash Back
0% intro for the first 14 months (then 13.49% to 24.49% variable)
Intro fee of or 3% of the transaction, whichever is greater for the first (then or 3%)
Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.
Discover it® Chrome Gas & Restaurant Card
0% intro for the first 14 months (then 13.49% to 24.49% variable)
Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.
NHL Discover it® Card
0% intro for the first 14 months (then 13.49% to 24.49% variable)
Earn 5% cash back on up to $1,500 in rotating quarterly activated categories then 1% after that and on all other purchases.

Compare up to 4 providers

A few cards, such as the Discover it® Student Cash Back and Discover it® Business Card, offer intro APRs only on purchases.

What are the benefits of a balance transfer with Discover?

Here’s why you might want to transfer a balance with Discover:

Solid intro APRs

Discover currently offers intro APR periods on purchases and balance transfers that are slightly longer than you might find with other comparable credit cards.

Earn rewards

With other providers, you might find few benefits beyond intro APRs. However, select Discover cards offer balance transfer intro APRs and cash back. This provides incentive to keep the card even after your intro APR expires.

No annual fee

None of Discover’s cards have annual fees.

Relatively long period to qualify for an intro APR

Typically, you have around 90 days to transfer balances that qualify for the intro APR.

What are the drawbacks of a balance transfer with Discover?

Here’s why Discover might be the wrong balance transfer provider for you:

No travel card with a balance transfer intro APR

The Discover it® Miles Travel Credit Card has an intro APR only for purchases.

Other providers offer travel cards with balance transfer intro APRs. Barclaycard, for example, has a wide collection of cobranded travel cards with balance transfer promotions.

Your balance transfer might take a while

You’ll need to wait a minimum of 14 days for your balance transfer to process.

What debts are eligible for a balance transfer with Discover?

You can transfer debt from…
  • Non-Discover credit cards
  • Specialty store and gas cards
  • School or auto loans
You can’t transfer debt from…
  • Discover credit cards

Can I transfer balances to another Discover card?

No. This type of policy is standard across the credit card industry.

Eligibility requirements

You can apply for a Discover credit card if:

  • You’re at least 18 years old.
  • You’re a United States resident.
  • You have a valid Social Security number or Individual Taxpayer Identification Number.


What do I need to apply?

Have the following information on hand to apply for a Discover card:

  • Full name
  • Mailing address, email address and phone number
  • Date of birth and Social Security number
  • Employment status, total annual gross income, and monthly housing or rent payment
  • Optional: Balance transfer information. This includes your creditor’s name, your account number with the creditor and the amount you want to transfer.

How to apply for a balance transfer with Discover

  1. Pick a balance transfer card and check its details.
    Scroll down the Discover product page to see the card’s intro APR, ongoing APR and the balance transfer fee.
  2. Apply for the card.
    On the application, “Looking for a Balance Transfer.” You can request up to three balance transfers.As you input your transfer amounts, Discover will calculate your fee.
  1. Wait for your balance transfer to complete.
    Keep making payments to your creditors as you wait for your balance transfer to complete. This will help you avoid late fees and drops in your credit score.

How long will it take to complete a balance transfer with Discover?

According to Discover, it’ll take at least 14 days for a balance transfer to complete.

Consider a balance transfer card from another brand

Citi Simplicity® Card

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
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I got the card. Now what?

  • Confirm with Discover that your balance transfer is complete. When you receive confirmation, make necessary arrangements with your previous creditors to close your old accounts.
  • Make payments on time. Consider setting up automatic payments so you’re never late and don’t risk losing your intro APR.
  • Contact customer support. Call 800-347-2683 if you have questions about your account. You can also message an agent via live chat on the Discover website or tweet the bank @Discover.

Bottom line

Discover can be a good option if you want a balance transfer promotion and rewards.

If you’re not sure a Discover card is best for your balance transfer, consider cards from other providers such as Barclaycard and Chase.

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