Credit card users love 0% APR promotional balance transfer offers because they give them a chance to save money on interest charges while they pay down their debt. These offers, which last from as little as six months to as long as 21, let cardholders transfer one or more balances from their existing credit card accounts to their new account. But as a result, cardholders can achieve another important goal when they do so, consolidation.

  • $0 Introductory balance transfer fee for transfers made during the first 60 days.
  • 0% Introductory APR for 15 months on purchases and balance transfers.
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0% for 15 months*

0% for 15 months*

12.99%, 17.99%, 22.99% Variable*

$0

Excellent/Good


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Have you ever wished that you could just turn your credit cards off? In the past, you either had an account or you didn’t, and there was little you could do to pause it. But now, Discover has introduced an innovative new feature called Freeze it that is kind of like an on/off switch for your credit cards.

  • 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.
  • Exclusive offer: Double all the cash back you've earned at the end of your 1st year—automatically.*
  • 5% cash back in categories that change each quarter like gas, restaurants and more—up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0% for 6 months*

0% for 18 months*

10.99% - 22.99% Variable*

$0

Excellent Credit


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