Discover Balance Transfer

Discover Balance Transfer Offers

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About Editor’s Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

Discover balance transfer credit cards provide some of the best 0% APR balance transfer deals. The reason I consider Discover to be a superior company for balance transfers lay in the fact that they are the most transparent credit card company when it comes to special introductory rates. For example, the current trend among most major credit card companies is to offer tiered pricing. With tiered pricing, the credit card company advertises a 0% APR for 1 year, but may only grant approved applicants a 0% rate for as little as 6 months. With Discover balance transfer offers, consumers who are approved are given a 0% rate for the period advertised.

Perhaps more importantly, Discover is one of the few companies that treats its customers well. During 2009, while many major credit card companies were raising rates on cardholders, Discover took the high road and did not impose massive rate increases. They are, in my opinion, the only humane credit card company. Because of that, I consider them to be the best credit card company.

Below you can compare Discover balance transfer offers, including their extremely competitive 18 month balance transfer promotion, and apply online.

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Current Discover Balance Transfer Offers


  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking 'Apply.'
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed
0% for 14 months*
0% for 14 months*
10.99% - 22.99% Variable*
$0
Excellent Credit

  • 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.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and 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

  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter -no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases and balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S. based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking 'Apply'.
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed
0% for 14 months*
0% for 14 months*
10.99% - 22.99% Variable*
$0
Excellent Credit

  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed*. 1% cash back on all your other purchases.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100 % U.S. based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and 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


Discover Balance Transfer Offer

About Discover Balance Transfers

Discover Card balance transfer offers aren’t always the longest 0% APR balance transfer deals and sometimes they charge slightly higher balance transfer fees than other companies. However, while most credit card companies were raising interest rates on customers during the credit crisis, Discover largely refrained.

A key reason why Discover balance transfers are among the best overall 0% balance transfer offers for customers is how well they treat their cardholders in the long run. In the past, it was easy to bounce from one balance transfer credit card to another when 0% interest rates expired. Since the credit crisis, credit card companies have pulled back on balance transfer offers and made it more difficult to get approved. Thus, the next balance transfer you do may be the last one you have the chance of doing for some time.

Because of this, it is important to choose a good credit card company when you select a balance transfer card, not just the longest 0% rate. Discover balance transfers are very competitive with other offers, but in the long run, their customer service and history of treating customers well makes them a better option for people who know they will need a few years to pay down their credit card bills. Since 2007, I have been strongly recommending Discover, and no one comes back to complain about Discover balance transfer offers. I can’t say that about other credit card companies.

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*Important Disclaimer: See credit card applications for complete terms and conditions. While Smart Balance Transfers makes reasonable efforts to maintain accurate information, all credit card information is presented without warranty. When you click an “Apply” button, you can review the credit card terms and conditions on the issuing company’s website.