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Discover it® Balance Transfer review: The most rewarding balance transfer card available

A terrific option for if you want to pay off credit card debt while earning rewards.

 /  10 min
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Snapshot

4.6

Bankrate rating
Info Icon
Rating: 4.6 stars out of 5

Bottom line

This card's introductory APR for balance transfers makes it a smart choice if you’re tackling debt. Unlike many other balance transfer cards, it also offers rotating rewards categories and a cash back match at the end of your first year, making it a great choice to keep in your wallet long-term.

Discover it® Balance Transfer

Discover it® Balance Transfer

Recommended credit score:(670 - 850)

Intro offer

N/A

Rewards Rate

1% - 5%

Annual fee

N/A

Regular APR

N/A

4.6
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Bankrate Score

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Discover it® Balance Transfer Overview

The Discover it® Balance Transfer Card is no longer available on Bankrate and the offer details may be outdated.

The Discover it® Balance Transfer is one of the best balance transfer credit cards because it offers an intro balance transfer APR at the same length as several top transfer cards alongside the same benefits found on other Discover credit cards, including a solid rewards program, a cash back match welcome offer at the end of the first year for new customers, stellar customer service and some of the lowest rates and fees on the market.

Very few balance transfer cards provide a welcome offer — let alone ongoing rewards. Though the card has minimal features and its intro purchase APR is shorter than that of many other zero-interest credit cards, the issuer’s focus on balance transfer value compensates for these drawbacks.

  • Credit Card Cash Back Icon

    Rewards

    • 5 percent cash back after activation on rotating categories each quarter (up to $1,500 in quarterly purchases, then 1 percent)
    • 1 percent on all other purchases

    Expert Appraisal: Exceptional
    See our expert analysis

  • Rewards Icon

    Welcome offer

    • Discover will match all cash back earned at the end of your first year with the card

    Expert Appraisal: Exceptional
    See our expert analysis

  • Credit Card Apr Icon

    0% APR offer

    • 0 percent intro APR on purchases for six months from date of account opening
    • 0 percent intro APR on balance transfers for 18 months
    • 17.74% to 27.74% variable APR

    Expert Appraisal: Typical
    See our expert analysis

  • Credit Card Search Icon
    Rates and fees
    • $0 annual fee
    • No penalty APR
    • No late fee on your first late payment (up to $41 after)
    • No foreign transaction fees
    • 3 percent intro balance transfer fee, then 5 percent on future transfers (see terms)

    Expert Appraisal: Good
    See our expert analysis

  • Congrats Icon
    Other cardholder perks
    • $0 fraud liability 
    • Free Identity Alerts credit monitoring service
    • Freeze it® on/off switch
    • Free FICO Score access
    • Award-winning 24/7 customer service

    Expert Appraisal: Typical
    See our expert analysis

Discover it® Balance Transfer pros and cons

Pros

  • Checkmark Icon

    This card offers an excellent rewards rate and a welcome offer, which is rare for a balance transfer card.

  • Checkmark Icon

    You can potentially take advantage of a low ongoing variable APR after the card’s intro APR period ends.

  • Checkmark Icon

    This no-annual-fee card features no foreign transaction fee, penalty APR or fee on your first late payment (then up to $41), making it a low-cost option.

Cons

  • The intro APR period on purchases is short, which works against this card’s rewards spending advantage.

  • Even for a balance transfer card, it has limited features outside of its rewards.

  • The rotating category rewards program requires tracking quarterly activation periods and spending, which can be complicated.

Why you might want the Discover it® Balance Transfer

The Discover it® Balance Transfer is a top choice for anyone who wants to earn terrific rewards while paying off credit card debt. But the card’s welcome offer and affordability push it to the front of the line.

Rewards: Unique long-term value for a balance transfer card

The Discover it® Balance Transfer shares the same rotating category structure as the Discover it® Cash Back. You’ll earn 5 percent cash back on your first $1,500 in spending each quarter within the card’s rotating bonus categories (activation required) and 1 percent cash back after that. All other purchases earn 1 percent cash back. 

It’s hard to find another balance transfer card that offers such a generous rewards program. Though you’ll only earn the highest rewards rate on your first $1,500 in purchases each quarter and must activate categories — which can limit your earning potential — earning rewards while paying down debt is a unique advantage. 

Welcome offer: Terrific potential for big spenders

It's challenging to find a balance transfer card that offers a first-year welcome bonus. Discover will match all the cash back you earn at the end of your first year, effectively allowing you to double your first-year rewards.

Depending on your spending, this could become more valuable than the welcome offers available on other no-annual-fee cards, which typically offer sign-up bonuses of around $200.

Affordability: Light on fees

If you’re eager to keep credit card costs low or have difficulty making timely payments consistently, having some extra wiggle room with fees will be helpful. The Discover it® Balance Transfer has no annual fee, penalty APR or late fees on your first late payment (up to $41 after that). However, keep in mind that missing a payment at any time will still negatively affect your credit.

The card is also an excellent choice if you travel abroad since it charges no foreign transaction fees.

Why you might want a different balance transfer card

The Discover it® Balance Transfer stands out for offering competitive rewards, but it could prove a bit underwhelming with its purchase intro APR, balance transfer fees and barebones perks.

Purchase intro APR: Extremely short intro period

Many of the best balance transfer cards have a matching intro APR offer on both balance transfers and purchases. The intro APR for purchases on the Discover it® Balance Transfer lasts only six months (then 17.74% to 27.74% variable APR), which is one of the shortest intro APR offers you’d find on any type of credit card.

While the primary function of a balance transfer card is to have an intro APR on balance transfers, an intro APR on purchases can serve as a valuable advantage. 

Perks: Lackluster benefits beyond the basics

Discover trims the extras to focus on low costs, account protection and top-notch customer service. But while no-annual-fee cards often dial back the perks, Discover's benefits are still lacking by those standards. This means the card will not be the best choice for you if you want premier credit card benefits like travel insurance or statement credits.

How the Discover it® Balance Transfer compares to other balance transfer cards

Though this card has a lengthy intro APR period for balance transfers and terrific ongoing value, some competing cards carry a simpler rewards program and a longer intro purchase APR, which may give you more breathing room.

Image of Discover it® Balance Transfer

Discover it® Balance Transfer

Bankrate Score
Rating: 4.6 stars out of 5
4.6

Annual fee

N/A

Intro offer

N/A

Rewards rate

1% - 5%
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
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Bankrate Score
See Rates & Fees , Terms Apply
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on Citi's secure site

Annual fee

$0

Intro offer

$200 cash back
Info Icon

Rewards rate

1% - 5%
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Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of BankAmericard® credit card

BankAmericard® credit card

Annual fee

$0

Intro offer

N/A

Rewards rate

N/A

Recommended Credit Score

Good to Excellent (670 – 850)
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Who is the Discover it® Balance Transfer right for?

Bankrate’s Take — Is the Discover it® Balance Transfer worth it?

Since balance transfer cards typically don’t offer much value beyond their introductory APR periods, it can be difficult to justify keeping them after the intro APR ends — but the Discover it® Balance Transfer doesn’t have this problem. It combines popular rewards from Discover it® Cash Back into the balance transfer world with great ongoing value and low costs. 

Its short intro purchase APR period may not be the most competitive, but the Discover it® Balance Transfer's well-rounded features make it one of the best options you’ll find for a balance transfer.

How we rated this card

Document Icon
100+
card ratings
Credit Card Apr Icon
400+
APRs tracked
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3000
data points analyzed
Credit Card Reviews Icon
40+
perks evaluated

Our proprietary card rating system takes into account a mix of factors when scoring balance transfer and low-interest cards, including each card’s introductory APR, intro APR period length, ongoing APR, balance transfer fee, perks and more.

While balance transfer and low-interest cards share a similar ratings rubric, we weigh features differently based on how a card is categorized. We categorize cards that carry an especially long intro APR offer on balance transfers as dedicated balance transfer cards, while cards that offer an especially low ongoing APR are considered general low-interest cards. 

Based on its features, we assigned this card a primary category of balance transfer and tailored our ratings accordingly. 

We analyzed over 100 of the most popular balance transfer and low-interest cards and scored each based on how its key features stacked up against those of other cards in its category. 

Here’s a breakdown of what gave this card its score:

*The information about the BankAmericard® credit card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Frequently asked questions

What cardholders think

Image of Discover it® Balance Transfer

Discover it® Balance Transfer

4.5 Star Icon
40 ratings
Info Icon
Score breakdown
5 stars
63%
4 stars
25%
3 stars
8%
2 stars
5%
1 star
0%
Score by category
Overall 4.5 / 5
Extra perks 4.3 / 5
Privacy and security 4.5 / 5
Customer service 3.7 / 5
Online portal or mobile app 3.9 / 5
Intro APR length 3.6 / 5
Intro APR value 4.2 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore Discover it® Balance Transfer reviews from certified cardholders.
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Anonymous Cardholder
May 31, 2024
How do you plan to use your card after your intro APR period ends? Do you see the card offering long-term value or do you think it will mostly sit unused?
I won't use it after the APR period ends
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Intro APR length 4 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
How do you plan to use your card after your intro APR period ends? Do you see the card offering long-term value or do you think it will mostly sit unused?
Usually until I get a new card with a new promotion
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
How did the 0% APR intro offer meet your needs? Consider factors such as the length of the intro period, any balance transfer fees you paid, and how successful you were at paying off your debt or managing your cash flow before the intro period e
Consolidated a few bills into one payment at 0% interest for 18 months
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
What was most important to you in choosing this card: Length of intro APR period, balance transfer fee, long-term value / rewards? Something else?
It was sort of something like emergency cash that I always keep in my wallet.
Score by category
Extra perks 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
What was most important to you in choosing this card: Length of intro APR period, balance transfer fee, long-term value / rewards? Something else?
I usually use my Discover card for Balance transfer, so when they came out with this credit card that’s just for balance transfers I grabbed it.
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
How important was this card’s ongoing APR in your decision?
Really important. I've had trouble paying my debts and they've lowered the apr to 9 percent for the year
Score by category
Extra perks 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
How did the 0% APR intro offer meet your needs? Consider factors such as the length of the intro period, any balance transfer fees you paid, and how successful you were at paying off your debt or managing your cash flow before the intro period e
Successfully. lowered debt due to high interest on other card
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Privacy and security 4 / 5
Intro APR length 4 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
What was most important to you in choosing this card: Length of intro APR period, balance transfer fee, long-term value / rewards? Something else?
Length of apr on the balance transfer
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Intro APR length 4 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
What was most important to you in choosing this card: Length of intro APR period, balance transfer fee, long-term value / rewards? Something else?
The 5% seasonal rewards are really hard to beat
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
How important was this card’s ongoing APR in your decision?
Very important! It is my favorite credit card because of cash back, security, and benefits. High line of credit.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Intro APR length 5 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
How do you plan to use your card after your intro APR period ends? Do you see the card offering long-term value or do you think it will mostly sit unused?
It will be used for larger purchases
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Intro APR length 4 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
How do you plan to use your card after your intro APR period ends? Do you see the card offering long-term value or do you think it will mostly sit unused?
I mostly pay off the balance. I use it if there is a cash back offer or if I need to for groceries.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
How did the 0% APR intro offer meet your needs? Consider factors such as the length of the intro period, any balance transfer fees you paid, and how successful you were at paying off your debt or managing your cash flow before the intro period e
It's the best way to pay off debt fast
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
What was most important to you in choosing this card: Length of intro APR period, balance transfer fee, long-term value / rewards? Something else?
Balance Transfer fee and the introductory APR period. Both are essential for my payment plan along with great customer service
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
How do you plan to use your card after your intro APR period ends? Do you see the card offering long-term value or do you think it will mostly sit unused?
I will use it how I have continued to use it
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
What was most important to you in choosing this card: Length of intro APR period, balance transfer fee, long-term value / rewards? Something else?
The APR it never changes
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
How do you plan to use your card after your intro APR period ends? Do you see the card offering long-term value or do you think it will mostly sit unused?
Long term value I can see myself wit them forever
Score by category
Extra perks 4 / 5
Online portal or mobile app 1 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Intro APR length 4 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
How important was this card’s ongoing APR in your decision?
good it didn’t even have any hidden fees
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Intro APR length 2 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
What was most important to you in choosing this card: Length of intro APR period, balance transfer fee, long-term value / rewards? Something else?
length of the APR period
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Privacy and security 5 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
How did the 0% APR intro offer meet your needs? Consider factors such as the length of the intro period, any balance transfer fees you paid, and how successful you were at paying off your debt or managing your cash flow before the intro period e
I met my needs tremendously, because that is very beneficial to me
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
What was most important to you in choosing this card: Length of intro APR period, balance transfer fee, long-term value / rewards? Something else?
Length of intro APR rate
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Privacy and security 3 / 5
Intro APR length 3 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
How do you plan to use your card after your intro APR period ends? Do you see the card offering long-term value or do you think it will mostly sit unused?
Yes great low rates to pay debt
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Intro APR length 4 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
How did the 0% APR intro offer meet your needs? Consider factors such as the length of the intro period, any balance transfer fees you paid, and how successful you were at paying off your debt or managing your cash flow before the intro period e
I was happy to use the balance transfer for 0%. I did have to pay a 3% balance transfer fee but that was fine because I was earning over 4% on my money in the bank. I was able to pay the balance due when the 0% rate was over and I currently pay the balance in full each month.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
How do you plan to use your card after your intro APR period ends? Do you see the card offering long-term value or do you think it will mostly sit unused?
This has a lot of good factors after the transfer offer expired. It is a way to help your credit score.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
How did the 0% APR intro offer meet your needs? Consider factors such as the length of the intro period, any balance transfer fees you paid, and how successful you were at paying off your debt or managing your cash flow before the intro period e
Allowed me to defer some long term debt at a favorable interest rate
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Privacy and security 4 / 5
Intro APR length 4 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
How did the 0% APR intro offer meet your needs? Consider factors such as the length of the intro period, any balance transfer fees you paid, and how successful you were at paying off your debt or managing your cash flow before the intro period e
We needed to get rid of some credit card debt and the 0% balance was a great offer
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Privacy and security 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
What was most important to you in choosing this card: Length of intro APR period, balance transfer fee, long-term value / rewards? Something else?
the balance transfer offer was nice but they only offer the rate once.
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Privacy and security 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
What was most important to you in choosing this card: Length of intro APR period, balance transfer fee, long-term value / rewards? Something else?
Long term value and rewards.
Score by category
Extra perks 5 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 5 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
How did the 0% APR intro offer meet your needs? Consider factors such as the length of the intro period, any balance transfer fees you paid, and how successful you were at paying off your debt or managing your cash flow before the intro period e
Well it didn’t really affect me so my money was moved in and out without me losing a cent!
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Intro APR length 2 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
How important was this card’s ongoing APR in your decision?
It’s very good and has good benefits
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Intro APR length 5 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
How did the 0% APR intro offer meet your needs? Consider factors such as the length of the intro period, any balance transfer fees you paid, and how successful you were at paying off your debt or managing your cash flow before the intro period e
I needed a way to transfer my high balance and be able to pay it off without all the interest added. I was able to pay my debt off because of it.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Intro APR length 3 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
How important was this card’s ongoing APR in your decision?
It was not 0% for balance transfer but I needed it at the time so I used it and then transferred the balance to another card
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Intro APR length 3 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
What was most important to you in choosing this card: Length of intro APR period, balance transfer fee, long-term value / rewards? Something else?
No apr
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
How do you plan to use your card after your intro APR period ends? Do you see the card offering long-term value or do you think it will mostly sit unused?
I might drop the usage of it but I like the points that I accumulate
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
How important was this card’s ongoing APR in your decision?
It was pretty important, I wanted my first cards ongoing APR to be good.
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
How important was this card’s ongoing APR in your decision?
Good, until the time runs out and then I will be charged interest.
Score by category
Extra perks 5 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
How important was this card’s ongoing APR in your decision?
It wasn’t that important, all cards have about the same APR.
Score by category
Extra perks 3 / 5
Online portal or mobile app 2 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Intro APR length 3 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
How did the 0% APR intro offer meet your needs? Consider factors such as the length of the intro period, any balance transfer fees you paid, and how successful you were at paying off your debt or managing your cash flow before the intro period e
It helped for a while with intro apr of 0% but then when interest started it was really high and I couldn’t pay anything down
Score by category
Extra perks 1 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Intro APR length 2 / 5
Intro APR value 2 / 5
Anonymous Cardholder
May 31, 2024
What was most important to you in choosing this card: Length of intro APR period, balance transfer fee, long-term value / rewards? Something else?
Apr is important . It’s like in the end your paying double because it doesn’t go to the principal right away .
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Intro APR length 4 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
What was most important to you in choosing this card: Length of intro APR period, balance transfer fee, long-term value / rewards? Something else?
I thought it would be handy but i hate discover now they wouldnt let me do anyting with it and were rude on the phone
Score by category
Extra perks 2 / 5
Online portal or mobile app 2 / 5
Customer service 2 / 5
Privacy and security 2 / 5
Intro APR length 3 / 5
Intro APR value 2 / 5
Written by
Ashley Parks
Former Editor, Credit cards
As a Bankrate credit cards editor, Ashley Parks is fascinated by the ways people can make credit cards work for them when armed with the right knowledge.
Edited by Senior Editor, Credit Cards
Reviewed by Former Editor, credit cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.