Discover it® Balance Transfer Offer

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Then 16.99% to 27.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply. If you transfer a balance from a high-interest credit card to a Discover balance transfer card using this introductory rate, you can use the money you save on interest to pay down your debt. After your introductory balance transfer APR expires, your standard variable purchase APR will apply to any remaining credit card balance.", "image": "https://www.discover.com/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/background/bg-BT-Reduce-P2-250-250.png", "url": "https://www.discover.com/credit-cards/balance-transfer-credit-cards/" }, { "@type": "HowToStep", "name": "Generous Rewards", "text": "With Discover, you can earn cash back rewards on every purchase. 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data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-chrome-67-60.png"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/student-credit-card/chrome-card.html?ICMPGN=SUBNAV_CCP_STUDENT_CHROME" target="_self">Discover it® Student Chrome</a> <span class="short_disc">Earn restaurant & gas rewards as a student</span> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it® Secured Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-secured-67-60.png"/> </li> <li class="nav_element-text"> <a href="/credit-cards/secured-credit-card/?ICMPGN=SUBNAV_CCP_SECURED" target="_self">Discover it® Secured</a> <span class="short_disc">Build or rebuild your credit</span> </li> </ul> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it® Miles Travel Credit Card blue design" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-miles-67-60.png"/> </li> <li class="nav_element-text"> <a href="/credit-cards/travel/?ICMPGN=SUBNAV_CCP_MILES" target="_self">Discover it® Miles</a> <span class="short_disc">Explore with the travel rewards credit card</span> </li> </ul> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it® Chrome Gas and Restaurants Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-chrome-67-60.png"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/cash-back/chrome.html?ICMPGN=SUBNAV_CCP_IT_CHROME" target="_self">Discover it® Chrome</a> <span class="short_disc">Earn restaurant & gas rewards</span> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="NHL® Discover it® Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-nhl-67-60.png"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/cash-back/nhl-card.html?ICMPGN=SUBNAV_CCP_NHL" target="_self">NHL Credit Card</a> <span class="short_disc">Represent your team & earn cash back</span> </li> </ul> </div> </div> </div> </div> </li> <li> <div class="titleWrapper"> <a href="javascript:void(0)" data-analytics-label="subnav_ccf" data-href="#tab2">Credit Cards by Feature</a> <div id="tab2" class="tab"> <div class="navTabContent">  <div class="navTabSection"> <a aria-label="Credit Card Pre-approval" href="https://www.discovercard.com/application/preapproval/initial/?ICMPGN=SUBNAV_CCF_PQ" target="_self" data-lazy="true"> <img class="panel-banner-image" alt="Click this banner to see if you're Pre-approved" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-small-cards-266-102.png?imbypass=true"/> </a> <ul class="nav_element allCardDesktop"> <li class="nav_element-img card" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-three-cards-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/?ICMPGN=SUBNAV_CCF_ALL" target="_self">All Credit Cards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-dollor-match-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/cash-back/?ICMPGN=SUBNAV_CCF_CASHBACK" target="_self">Cash Back Credit Cards</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-transfer-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/balance-transfer-credit-cards/?ICMPGN=SUBNAV_CCF_BALANCE_TRANSFER" target="_self">Balance Transfer Credit Card Offers</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="map icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-student-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/student-credit-card/?ICMPGN=SUBNAV_CCF_COLLEGE_STUDENTS" target="_self"> Credit Cards for College Students</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-checkmark-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/credit-cards-for-no-credit/?ICMPGN=SUBNAV_CCF_CREDIT_CARDS_FOR_NO_CREDIT" target="_self">Credit Cards for No Credit History</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-fico-32-25.svg"/> </li> <li class="nav_element-text"> <a href="/credit-cards/secured-credit-card/credit-cards-to-build-credit/?ICMPGN=SUBNAV_CCF_BUILD_CREDIT" target="_self">Credit Cards to Build Credit</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-zero-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/no-annual-fee-credit-cards/?ICMPGN=SUBNAV_CCF_NO_ANNUAL_FEE" target="_self">No Annual Fee Credit Cards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-rewards-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/rewards-credit-cards/?ICMPGN=SUBNAV_CCF_REWARS_CREDIT_CARDS" target="_self">Rewards Credit Cards</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-rate-down-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/low-intro-apr-credit-cards/?ICMPGN=SUBNAV_CCF_LOW_INTEREST" target="_self"> Low Interest Credit Cards</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-gas-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/gas-credit-cards/?ICMPGN=SUBNAV_CCF_GAS_CREDIT_CARDS" target="_self">Gas Credit Cards</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-instant-use-24-26.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/instant-use-credit-cards/?ICMPGN=SUBNAV_CCF_INSTANT_USE_CREDIT_CARDS" target="_self">Instant Use Credit Cards</a> </li> </ul> </div> </div> </div> </div> </li> <li> <div class="titleWrapper"> <a href="javascript:void(0)" data-analytics-label="subnav_tar" data-href="#tab3">Tools and Resources</a> <div id="tab3" class="tab"> <div class="navTabContent">  <div class="navTabSection"> <a aria-label="Credit Card Pre-approval" href="https://www.discovercard.com/application/preapproval/initial/?ICMPGN=SUBNAV_TAR_PQ" target="_self" data-lazy="true"> <img class="panel-banner-image" alt="Click this banner to see if you're Pre-approved" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-small-cards-266-102.png?imbypass=true"/> </a> <ul class="nav_element allCardDesktop"> <li class="nav_element-img card" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-three-cards-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/?ICMPGN=SUBNAV_TAR_ALL" target="_self">All Credit Cards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-calculator-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/calculator/credit-card-interest-calculator/?ICMPGN=SUBNAV_TAR_CALCULATOR" target="_self">Credit Card Interest Calculator</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-mail-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discovercard.com/application/website/invite?ICMPGN=SUBNAV_TAR_RESPOND_MAIL_OFFER&flavor=it&fpp=true&_ga=2.50907437.584696215.1676279870-557086243.1675411694" target="_self">Respond to Mail Offer</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-device-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discovercard.com/application/self-service/?page=check-status&ICMPGN=SUBNAV_TAR_CHECK_APPLICATION_STATUS" target="_self">Check Application Status</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-paper-pen-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/card-smarts/?ICMPGN=SUBNAV_TAR_CARD_SMARTS" target="_self">Card Smarts Articles</a> </li> </ul> <ul class="innerList"> <li> <a href="https://www.discover.com/credit-cards/card-smarts/getting-a-credit-card/?ICMPGN=SUBNAV_TAR_GETTING_A_CARD" target="_self">- Getting a credit card</a> </li> </ul> <ul class="innerList"> <li> <a href="https://www.discover.com/credit-cards/card-smarts/using-your-credit-card/?ICMPGN=SUBNAV_TAR_USING_YOUR_CARD" target="_self">- Using your credit card</a> </li> </ul> <ul class="innerList"> <li> <a href="https://www.discover.com/credit-cards/card-smarts/credit-card-rewards/?ICMPGN=SUBNAV_TAR_CARD_REWARDS" target="_self">- Credit card rewards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-student-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://discover.promo.eprize.com/discoversweeps24/?ICMPGNid=site-sch-pro-dis-nav&affiliate_id=site-sch-pro-dis-nav" target="_self">Discover® Scholarship Sweepstakes</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-fico-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/free-credit-score/#fico-score/?ICMPGN=SUBNAV_TAR_FREE_CREDIT_SCORE" target="_self">Free Credit Score for Cardmembers</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-two-cards-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/compare/?ICMPGN=SUBNAV_TAR_COMPARE" target="_self">Compare Credit Cards</a> </li> </ul> </div> </div> </div> </div> </li> </ul> </div>  </div> </div> </section> </div> </div> </div> </div> </div> </div> <div class="emergencybanner aem-GridColumn aem-GridColumn--default--12"> </div> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="breadcrumb aem-GridColumn aem-GridColumn--default--12"> <nav class="cmp-breadcrumb cmp--mobile-hidden" aria-label="Breadcrumb"> <div class="cmp-breadcrumb__container section-container"> <ol class="cmp-breadcrumb__list" itemtype="http://schema.org/BreadcrumbList" itemscope=""> <li class="cmp-breadcrumb__item" itemtype="http://schema.org/ListItem" itemscope="" itemprop="itemListElement"> <a href="/" class="cmp-breadcrumb__item-link" itemprop="item"><span itemprop="name">Discover</span></a> <meta itemprop="position" content="1"/> <div class="cmp-breadcrumb__item-delimiter"/> </li> <li class="cmp-breadcrumb__item" itemtype="http://schema.org/ListItem" itemscope="" itemprop="itemListElement"> <a href="/credit-cards/" class="cmp-breadcrumb__item-link" itemprop="item"><span itemprop="name">Credit Cards</span></a> <meta itemprop="position" content="2"/> <div class="cmp-breadcrumb__item-delimiter"/> </li> <li class="cmp-breadcrumb__item cmp-breadcrumb__item--active" itemtype="http://schema.org/ListItem" itemscope="" itemprop="itemListElement"> <span itemprop="name">Discover it® Balance Transfer Offer</span> <meta itemprop="position" content="3"/> <div class="cmp-breadcrumb__item-delimiter"/> </li> </ol> </div> </nav> </div> <div class="stickynav aem-GridColumn aem-GridColumn--default--12"> <nav class="cmp-navigation cmp-navigation--sticky theme-background theme-white-background-gradient scrolltracking"> <div class="section-container cmp-navigation__container"> <div class="cmp-navigation__container cmp-navigation__container--logo"> <a href="https://www.discover.com/credit-cards/?ICMPGN=ACQ_NAV_DLOGO" target="_self"><img class="cmp-navigation__logo" id="flag" src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-discover-logo-136-23.png" alt="discover logo"/></a> <a class="cmp-navigation__top-link" href="#">Back To Top</a> </div> <div id="jumpNav" class="cmp-navigation__container cmp-navigation__container--jump-links navbar"> </div> <div class="cmp-navigation__container cmp-navigation__container--cta"> <div class="cmp-button--cta cmp-button--cta--opaque-orange "> <a class="cmp-button " href="https://www.discovercard.com/application/website/apply?srcCde=GJVP&icmpgn=APPLY_NOW_STICKY_BTN" target="_self"> <span class="cmp-button__text"> Apply Now <span class="sr-only"> </span> </span> </a> </div> </div> </div> </nav></div> <div class="twocolumntile cmp-p-50 two-column--padding-horizontal-none light-theme aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section id='cashbackIT-fixHeight' class="two-column two-column--60-40 two-column--content-left two-column__background theme-background scrolltracking"> <div class="one-column__container"> </div> <div class="two-column__content section-container"> <div class="two-column__content-half"> <div class="cmp-title theme-background cmp-title__text-heading cmp-title--orange"> <h1 id="title-500813002" class="cmp-title__text">Discover it<sup>®</sup> Balance Transfer Offer</h1> </div> <div class="cmp-title theme-background cmp-title_text-headingcontent "> <h2 id="title-107766649" class="cmp-title__text">Our lowest intro APR on balance transfers and purchases</h2> </div> <div class="cmp-text "> <p>Get <b><span class="product1 introaprrate">x</span>% Intro APR<sup><a class="cmp-button cmp-button--external" style="top: -5.0px; font-size: 12.0px;" data-analytics-label="APR:RATES AND REWARDS" data-external="true" href="https://discovercard.com/application/website/ratesrewards?srcCde=GJVP">†</a></sup></b> for <b><span class="product1 introaprduration">x</span> months</b> on purchases and balance transfers; then <b><span class="product1 purchaseratelowapr">x</span>%</b> to <b><span class="product1 purchaseratehighapr">x</span>%</b> Standard Variable Purchase APR applies. <b><span class="product1 btfeesrate">x</span>%</b> Intro Balance Transfer Fee until <span class='fw_mon'></span> and up to <b><span class="product1 btstandardfeesrate">x</span>%</b> fee for future balance transfers.</p> </div> <div class="parsys-content"> <div class="cta button"> <div class="cmp-button--text-link "> <a class="cmp-button cmp-button--external" href="https://www.discovercard.com/application/website/ratesrewards?srcCde=GJVP" data-external="true"> <span class="cmp-button__text"> <sup>†</sup>See rates, rewards, fees, and other cost <span class="no-break">information<i> > </i></span> <span class="sr-only"> , Opens new window </span> </span> </a> </div> </div> <div class="cta button"> <div class="cmp-button--cta cmp-button--cta--opaque-orange large"> <a class="cmp-button " href="https://www.discovercard.com/application/website/apply?srcCde=GJVP&icmpgn=APPLY_NOW_TOP_BTN" target="_self" data-analytics-label="APPLY_NOW_TOP_BTN"> <span class="cmp-button__text"> Apply Now <span class="sr-only"> </span> </span> </a> </div> </div> </div> </div> <div class=" imagesizeOptimization two-column__content-half--image "> <div class="parsys-content-two"> </div> <div class="two-column__foreground-image"> <div class="cmp-image cmp--mobile-hidden "> <div class=" " data-lazy="false"> <img alt="Woman in linen shirt smiling and eating breakfast on sunny patio" src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/background/bg-bt-smileface-420-460.png"/> </div> </div> </div> <div class="parsys-content"> </div> </div> </div> <div class="one-column__container"> </div> </section> </div></div> <div class="twocolumntile cmp-p-75 theme-dark-blue-background-gradient dark-theme aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section id='carousalDesktopChange' class="two-column two-column--50-50 two-column--content-right two-column__background theme-background scrolltracking"> <div class="one-column__container"> <div class="title"> <div class="cmp-title theme-background cmp-alignment--left cmp-title_text-headingcontent "> <h2 id="title--1514380735" class="cmp-title__text">How can balance transfer offers help you?</h2> </div> </div> </div> <div class="two-column__content section-container"> <div class=" two-column__content-half--image "> <div class="parsys-content-two"> <div class="spacer separator"> <div id="spacer-22a36693ef" class="cmp-spacer theme-dark-blue-background-gradient"> <div class="cmp-spacer__desktop" style="margin-bottom: 60px;"></div> <div class="cmp-spacer__mobile" style="margin-bottom: 40px;"></div> </div> </div> </div> <div class="two-column__foreground-image"> <div class="cmp-image cmp--mobile-hidden "> <div class=" " data-lazy="true"> <img alt="Discover credit cards in various colors, a father with a child on his shoulders, and a hand holding a phone showing a payment app" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/background/bg-bt-multi-770-425.png"/> </div> </div> </div> <div class="parsys-content"> </div> </div> <div class="two-column__content-half"> <div class="parsys-content"> <div class="contentfragmentblock contentfragmentlist cmp-alignment--left cf-list--one-color-block-3 cf-one-color-block-4 cf-list--sm-carousel"> <div class="cf-list scrolltracking" data-is-carousel="true">  <div class="cf-list__items carousel-items cf-list__items--lg-carousel cf-list__items--sm-carousel cf-list__items--1-col" carousel-lg-slides-to-show="1"> <div class="cf-list__item cf-list__item--row-last "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title "> <div class="cf-list__item-element-value ">Save money on credit card interest</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value "><p>If you transfer a balance from a high-interest credit card to a Discover Card with an introductory 0% APR balance transfer offer, you can use the money you save on interest charges to pay down your debt.</p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title "> <div class="cf-list__item-element-value ">Pay down your current credit card debt</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value "><p>When you consolidate all your higher-rate credit card debt--or other outstanding debts--with a Discover balance transfer offer, you end up with a single monthly payment and may reduce how much you pay in interest in the long run. Instead of making multiple payments to different debts every month, you can now make a single lump payment every month to Discover and pay down your consolidated debt.</p> </div> </div> </div> </div> </div> <div class="cf_list__disclosures"> </div> </div> <div class="cf-list__carousel-controls carousel-controls"></div> </div> </div> </div> </div> <div class="one-column__container"> </div> </section> </div></div> <div class="onecolumntile cmp-alignment--left theme-light-gray-background-gradient light-theme cmp-p-75 one-column--inward-curve aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section id='tab-bt' class="one-column one-column__container__image--icon scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-title_text-headingcontent "> <h2 id="title-56180548" class="cmp-title__text">How to choose the best balance transfer<br> credit card offer</h2> </div> <div class="cmp-text "> <p>If you're planning to take a credit card balance transfer for debt consolidation, there are three important factors to look for. Compare these three offer areas from each credit card issuer to find the best balance transfer offer for your debt.</p> </div> <div class="one-column__container__parsys parsys-content"> <div class="verticaltab"> <div class="cq-placeholder" data-emptyText="Vertical Tab"></div> <div class="verticalTabsAccordionWrap"> <div class="verticalTabs"> <button id="verticaltabliapr" class="tab-link active" data-tab="liapr" style="background-color:#ffffff !important;"> <span class="tabIcon"> <div class="defaulticon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-cchp-muliticard-55-55.png"/> </div> <div class="hovericon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-cchp-multi-55-55.png"/> </div> </span> <span class="tabTxt">Low or 0% intro APR offer terms</span> <i class="twoSideArrow"></i> </button> <button id="verticaltabgr" class="tab-link " data-tab="gr"> <span class="tabIcon"> <div class="defaulticon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-naf-saving-56-56.png"/> </div> <div class="hovericon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-naf-saving-blue-56-56.png"/> </div> </span> <span class="tabTxt">No annual fee and low credit card fees</span> <i class="twoSideArrow"></i> </button> <button id="verticaltabccr" class="tab-link " data-tab="ccr"> <span class="tabIcon"> <div class="defaulticon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-naf-shopping-56-56.png"/> </div> <div class="hovericon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-naf-shopping-blue-56-56.png"/> </div> </span> <span class="tabTxt">Credit card rewards and features</span> <i class="twoSideArrow"></i> </button> </div> <div class="tabContent"> <div class="tabContentWrap active" style="background-color:#ffffff !important; display: block"> <button id="verticaltabliapr" class="tab-link" data-tab="liapr"> <span class="tabIcon" data-lazy="true"> <img class="defaulticon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-cchp-muliticard-55-55.png"/> </span> <span class="tabTxt">Low or 0% intro APR offer terms</span><i class="twoSideArrow"></i> </button> <div class="tab-content optimize " id="liapr"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="image aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-image cmp--desktop-show "> <div class="border-top-right-radius " data-lazy="true"> <img alt="Man wearing glasses, drinking from a large mug and pointing" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/background/bg-bt-happyface-726-182.png"/> </div> </div> <div class="border-top-right-radius cmp-image cmp--mobile-show" data-lazy="true"> <img alt="Man wearing glasses, drinking from a large mug and pointing" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/background/bg-bt-mob-happyface-335-182.png"/> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text "> <p>A good balance transfer offer should have an intro APR that is a lower interest rate than what you pay on your current debt. Compare offers to see which has the longest intro rate period before your balance converts to a regular APR: once the intro period ends, you'll be subject to a standard interest charge on any remaining balance.</p> </div> </div> </div> </div> </div> <div class="tabContentWrap " style="background-color:#ffffff !important; display: "> <button id="verticaltabgr" class="tab-link" data-tab="gr"> <span class="tabIcon" data-lazy="true"> <img class="defaulticon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-naf-saving-56-56.png"/> </span> <span class="tabTxt">No annual fee and low credit card fees</span><i class="twoSideArrow"></i> </button> <div class="tab-content optimize " id="gr"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="image aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-image cmp--desktop-show "> <div class="border-top-right-radius " data-lazy="true"> <img alt="Young boy hugs his seated grandpa around the neck and kisses his cheek" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/background/bg-bt-happyface-747-187.png"/> </div> </div> <div class="border-top-right-radius cmp-image cmp--mobile-show" data-lazy="true"> <img alt="Young boy hugs his seated grandpa around the neck and kisses his cheek" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/background/bg-bt-mobile-happyface-335-154.png"/> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text "> <p>Some balance transfer credit card offers have a balance transfer fee, so it’s important to consider that as part of the cost of a balance transfer, even if the balance transfer comes with a low APR. But it’s also important to remember that when you open a new credit card by taking a balance transfer offer you’re opening a financial account that you can use beyond the terms of the balance transfer. That’s why it’s a good idea to check what other credit card fees might be applied to different kinds of transactions or to keep the account open year after year. Discover credit cards have <span class="cmp-text-underline"><a aria-label="no annual fee" class="disclosure no-disclosure tooltip-disclosure" data-analytics-label="undefined" data-disclosure="naf-ce3676e7-198f-4848-8ccd-77313b7dc73c" href="javascript:void(0);">no annual fee</a></span>, but that’s not true for all credit cards issuers who have balance transfer offers.</p> <div class="tooltip-content-wrapper test" style="display:none" id="naf-ce3676e7-198f-4848-8ccd-77313b7dc73c"> <div class="tooltip-content"> <button class="tooltip__close-btn" aria-label="Close"></button> <div class="tooltip-content__fragment"> <p><b>* Intro purchase APR</b> is <b><span class="product1 introaprrate">x</span>%</b> for <b><span class="product1 introaprduration">x</span> months</b> from date of account opening then the standard purchase APR applies. <b>Intro Balance Transfer APR</b> is <b><span class="product1 btaprrate">x</span>%</b> for <b><span class="product1 btaprduration">x</span> months</b> from date of first transfer, for transfers under this offer that post to your account by <b><span class="fw_mon"></span></b> then the standard purchase APR applies. <b>Standard purchase APR: <span class="product1 purchaseratelowapr">x</span>%</b> variable to <b><span class="product1 purchaseratehighapr">x</span>%</b> variable, based on your creditworthiness. <b>Cash APR: <span class="product1 cashrateactual">x</span>%</b> variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. <b>Cash advance fee:</b> Either <b>$10</b> or <b>5%</b> of the amount of each cash advance, whichever is greater. <b>Balance transfer fee: <span class="product1 btfeesrate">x</span>%</b> Intro fee on balances transferred by <b><span class="fw_mon"></span></b> and up to <b><span class="product1 btstandardfeesrate">x</span>%</b> fee for future balance transfers will apply. <b>Annual Fee: None.</b> Rates as of <b><span class="last_date"></span></b>. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="tabContentWrap " style="background-color:#ffffff !important; display: "> <button id="verticaltabccr" class="tab-link" data-tab="ccr"> <span class="tabIcon" data-lazy="true"> <img class="defaulticon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-naf-shopping-56-56.png"/> </span> <span class="tabTxt">Credit card rewards and features</span><i class="twoSideArrow"></i> </button> <div class="tab-content optimize " id="ccr"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="image aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-image cmp--desktop-show "> <div class="border-top-right-radius " data-lazy="true"> <img alt="Two women in floppy hats and sundresses walk with arms linked" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/background/bg-bt-hat-girls-747-185.png"/> </div> </div> <div class="border-top-right-radius cmp-image cmp--mobile-show" data-lazy="true"> <img alt="Two women in floppy hats and sundresses walk with arms linked" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/background/bg-bt-mobile-hatwith-girls-335-154.png"/> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text "> <p>Does the credit card company offer cash rewards on purchases, or a welcome bonus reward to new cardmembers? Are you able to redeem the rewards in ways that are valuable to you? What kind of customer service does the card issuer provide? Look for these details, as well as security features and benefits that make the card one that you’ll keep and use beyond the balance transfer. The longer you have and use an active credit card account responsibly, even if it’s one that you originally opened for a balance transfer, the more that account can influence your credit report and credit score.</p> </div> </div> </div> </div> </div> </div> <span class="hide" id="text-color">light-theme</span> <span class="hide" id="tabcontent-color">dark-theme</span> </div></div> <div class="spacer separator"> <div id="spacer-0895b39fc4" class="cmp-spacer theme-light-gray-background-gradient"> <div class="cmp-spacer__desktop" style="margin-bottom: 10px;"></div> <div class="cmp-spacer__mobile" style="margin-bottom: 10px;"></div> </div> </div> <div class="title"> <div class="cmp-title theme-background cmp-alignment--center cmp-title__text-heading "> <h3 id="title--1908777606" class="cmp-title__text">Get a Discover Card balance transfer offer</h3> </div> </div> <div class="spacer separator"> <div id="spacer-70ce7ef33f" class="cmp-spacer theme-light-gray-background-gradient"> <div class="cmp-spacer__desktop" style="margin-bottom: 10px;"></div> <div class="cmp-spacer__mobile" style="margin-bottom: 10px;"></div> </div> </div> <div class="cta button"> <div class="cmp-button--cta cmp-button--cta--opaque-orange cmp-alignment--center large"> <a class="cmp-button " href="https://www.discovercard.com/application/website/apply?srcCde=GJVP&icmpgn=APPLY_NOW_MIDDLE_OFFERS_COMPARE" target="_self" data-analytics-label="APPLY_NOW_TOP_BTN"> <span class="cmp-button__text"> Apply Now <span class="sr-only"> </span> </span> </a> </div> </div> </div> </div> </section> </div> </div> <div class="twocolumntile cmp-p-50 cmp-alignment--lg-left-sm-left theme-white-background-gradient light-theme aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section class="two-column two-column--50-50 two-column--content-right two-column__background theme-background scrolltracking"> <div class="two-column__image--fullbleed "> <div class="cmp-image cmp--desktop-show "> <div class=" " data-lazy="true"> <img alt="Woman in pink shirt carrying a reusable shopping bag filled with produce" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/background/bg-bt-smileface-597-435.png"/> </div> </div> <div class=" cmp-image cmp--mobile-show" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/background/bg-bt-smileface-316-215.png"/> </div> </div> <div class="one-column__container"> </div> <div class="two-column__content section-container"> <div class="two-column__content-half"> <div class="cmp-title theme-background cmp-title_text-headingcontent "> <h2 id="title--505450669" class="cmp-title__text">Where can you find a balance transfer offer?</h2> </div> <div class="cmp-text "> <p>You may find balance transfer offers when you consider opening a new credit card account. In other cases, an existing credit card account might give you a balance transfer offer to use with your current line of credit. Either way, it’s important to know that even if you open a new account with a balance transfer offer, you might not always have a balance transfer offer on that credit card account. Card issuers evaluate customer accounts to determine whether a current customer is eligible for a balance transfer offer.</p> </div> <div class="parsys-content"> </div> </div> </div> <div class="one-column__container"> </div> </section> </div></div> <div class="onecolumntile cmp-alignment--left light-theme cmp-p-75 aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass" style="background-color:#cfe5bb !important;"> <section class="one-column one-column__container__image--icon scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-title_text-headingcontent "> <h2 id="title--754679071" class="cmp-title__text">Pay down higher-rate credit card debt and save money on interest</h2> </div> <div class="cmp-text "> <p>with a low intro APR balance transfer from Discover it<sup>®</sup> Cash Back Credit Card</p> </div> <div class="one-column__container__parsys parsys-content"> <div class="cta button"> <div class="cmp-button--cta cmp-button--cta--opaque-orange large"> <a class="cmp-button " href="https://www.discovercard.com/application/website/apply?srcCde=GJVP&icmpgn=APPLY_NOW_MIDDLE_BTN" target="_self" data-analytics-label="APPLY_NOW_TOP_BTN"> <span class="cmp-button__text"> Apply Now <span class="sr-only"> </span> </span> </a> </div> </div> <div class="title"> <div class="cmp-title theme-background cmp-title_text-subheading-var cmp-no-underline "> <h4 id="title-963352765" class="cmp-title__text"><a aria-label="No annual fee" class="disclosure no-disclosure tooltip-disclosure" data-analytics-label="undefined" data-disclosure="naf-ce6ac68e-5cf9-4b2a-b13d-ca41465813c7" href="javascript:void(0);">No annual fee</a></h4> <div class="tooltip-content-wrapper test" style="display:none" id="naf-ce6ac68e-5cf9-4b2a-b13d-ca41465813c7"> <div class="tooltip-content"> <button class="tooltip__close-btn" aria-label="Close"></button> <div class="tooltip-content__fragment"> <p><b>* Intro purchase APR</b> is <b><span class="product1 introaprrate">x</span>%</b> for <b><span class="product1 introaprduration">x</span> months</b> from date of account opening then the standard purchase APR applies. <b>Intro Balance Transfer APR</b> is <b><span class="product1 btaprrate">x</span>%</b> for <b><span class="product1 btaprduration">x</span> months</b> from date of first transfer, for transfers under this offer that post to your account by <b><span class="fw_mon"></span></b> then the standard purchase APR applies. <b>Standard purchase APR: <span class="product1 purchaseratelowapr">x</span>%</b> variable to <b><span class="product1 purchaseratehighapr">x</span>%</b> variable, based on your creditworthiness. <b>Cash APR: <span class="product1 cashrateactual">x</span>%</b> variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. <b>Cash advance fee:</b> Either <b>$10</b> or <b>5%</b> of the amount of each cash advance, whichever is greater. <b>Balance transfer fee: <span class="product1 btfeesrate">x</span>%</b> Intro fee on balances transferred by <b><span class="fw_mon"></span></b> and up to <b><span class="product1 btstandardfeesrate">x</span>%</b> fee for future balance transfers will apply. <b>Annual Fee: None.</b> Rates as of <b><span class="last_date"></span></b>. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.</p> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div> <div class="onecolumntile cmp-alignment--left light-theme cmp-p-75 one-column--inward-curve aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass" style="background-color:#cfe5bb !important;"> <section class="one-column theme-white-background-gradient border-top-right-radius one-column__container__image--icon scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-title_text-headingcontent "> <h2 id="title-953956582" class="cmp-title__text">A balance transfer can even help protect your personal information</h2> </div> <div class="one-column__container__parsys parsys-content"> <div class="contentfragmentblock contentfragmentlist cmp-alignment--left cf-list--orange-eyebrow cf-list--icon cf-list-3-icons"> <div class="cf-list scrolltracking">  <div class="cf-list__items carousel-items cf-list__items--lg-stacked cf-list__items--sm-stacked cf-list__items--3-col" carousel-lg-slides-to-show="1"> <div class="cf-list__item cf-list__item--row-first cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-bt-alert-36-32.png"/> </div> <div class="cf-list__item-element cf-list__item-element--title cmp-title__text-heading3 cmp-dark-blue-font"> <div class="cf-list__item-element-value cmp-title__text-heading3 cmp-dark-blue-font">$0 Fraud Liability Guarantee</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cmp-text-subcontent"><p>You're never responsible for unauthorized purchases on your Discover <span class='no-break'>Card.<sup><a aria-label="1" class="disclosure" data-analytics-label="undefined" data-scrollto="q1" href="javascript:void(0);">1</a></sup></span></p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-bt-device-laptop-36-32.png"/> </div> <div class="cf-list__item-element cf-list__item-element--title cmp-title__text-heading3 cmp-dark-blue-font"> <div class="cf-list__item-element-value cmp-title__text-heading3 cmp-dark-blue-font">Online Privacy Protection</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cmp-text-subcontent"><p>Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile <span class='no-break'>app.<sup><a aria-label="2" class="disclosure" data-analytics-label="undefined" data-scrollto="q2" href="javascript:void(0);">2</a></sup></span></p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--image " data-lazy="true"> <img class="cf-list__item-element-value" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-bt-phone-alert-40-40.png"/> </div> <div class="cf-list__item-element cf-list__item-element--title cmp-title__text-heading3 cmp-dark-blue-font"> <div class="cf-list__item-element-value cmp-title__text-heading3 cmp-dark-blue-font">Social Security Number Alerts</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cmp-text-subcontent"><p>Get an alert if we find your Social Security number on any of thousands of Dark Web <span class='no-break'>sites.<sup><a aria-label="3" class="disclosure" data-analytics-label="undefined" data-scrollto="q3" href="javascript:void(0);">3</a></sup></span> Activate for free.</p> </div> </div> </div> </div> </div> <div class="cf_list__disclosures"> </div> </div> <div class="cf-list__carousel-controls carousel-controls"></div> </div> </div> </div> </section> </div> <div class="quarter-circle quarter-circle-top-right-small theme-white-background-gradient" data-lazy="true"> <img alt="Inward Curve" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/curves/curve-semi-glow-top-right-274-274.svg"/> </div> </div> <div class="onecolumntile one-column--medium-2-width cmp-alignment--left theme-light-gray-background-gradient light-theme cmp-p-75 one-column--inward-curve aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section class="one-column one-column__container__image--icon scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-alignment--left cmp-title_text-headingcontent "> <h2 id="title-1528378207" class="cmp-title__text">Questions about credit card balance transfers</h2> </div> <div class="one-column__container__parsys parsys-content"> <div class="faqlist"> <div class="faq-list faq-list--gradual-reveal faq-list--separated-items " data-faqs-showing="5" data-faqs-to-reveal="5">  <span itemscope itemtype="http://schema.org/FAQPage"> <div class="faq-list__items"> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq1" id="faq-question-1"> <span itemprop="name">Does Discover allow balance transfers?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq1" role="region" aria-labelledby="faq-question-1" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>Yes, potential new cardmembers can apply for a Discover it<sup>®</sup> Cash Back Card and take advantage of a balance transfer offer. This lets you move balances from your existing credit card accounts to a new Discover credit card account. If you’re already a Discover Cardmember, you can log in to your account online to see if you have a credit card balance transfer offer available to you to transfer outstanding debt with other companies to your Discover Card.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq2" id="faq-question-2"> <span itemprop="name">What is a balance transfer offer?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq2" role="region" aria-labelledby="faq-question-2" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>A balance transfer is a method of debt consolidation where you combine existing credit card debt and other qualifying debts within one single credit card. This can happen at account opening using a balance transfer offer, or as a promotion from your current credit card issuer.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq3" id="faq-question-3"> <span itemprop="name">How long does a balance transfer take?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq3" role="region" aria-labelledby="faq-question-3" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>You can review your balance transfer offer to learn how long it will take for your other debts to be moved to your new account, but the timing may depend on the status of your debt accounts or the ways that they are paid.</p> <p> </p> <p>Once you take a balance transfer offer, you have a set amount of time that the balance is subject to the intro promo APR. That amount of time is defined with the original balance transfer offer. Once that time is up, if you haven’t repaid the transferred amount, it is subject to the standard APR.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq4" id="faq-question-4"> <span itemprop="name">How does a balance transfer work?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq4" role="region" aria-labelledby="faq-question-4" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>If you accept a balance transfer offer, the credit card account will combine the other debts that you want to consolidate, up to the available credit line, and add them to the new account’s balance. You then pay the new account to repay the outstanding balance. This is especially helpful if you have high-interest debt that is more than you can pay in one billing cycle: by using a lower-interest intro rate balance transfer offer, you can pay down your debt over time without accruing as much interest.</p> <p> </p> <p>There are different ways that your outstanding debts may be consolidated within a new account. Some credit card issuers may allow you to deposit the money that you need into your checking account so that you may pay your creditors. In other cases, to take a balance transfer offer you must provide the account information where your other debts are held, and the balance transfer account will pay those creditors directly from your new account. </p> <p> </p> <p>In both cases, your new credit card account will have an outstanding balance equal to the amount that you transferred, any transfer fees, and any interest that you have accumulated per the intro APR.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq5" id="faq-question-5"> <span itemprop="name">What is a balance transfer fee?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq5" role="region" aria-labelledby="faq-question-5" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>With a balance transfer offer, you likely will pay a low or 0% APR for an introductory period on your transferred balance when you adhere to the payment schedule. But when you originally transfer the balance, you may pay a balance transfer fee. This is a charge that equals a set percentage of the total transferred balance and adds it to your total balance. There may be an intro balance transfer fee for a limited period of time from when the initial balance is transferred which may be different than the standard balance transfer fee that would be applied to other offers.</p> <p> </p> <p>For example, if you have $1,000 of debt that you want to transfer to a balance transfer credit card, and the offer includes a 5% transfer fee, the total amount that you will need to repay on the new credit card is $1,050.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq6" id="faq-question-6"> <span itemprop="name">Does a balance transfer affect your credit score?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq6" role="region" aria-labelledby="faq-question-6" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>A balance transfer can affect your credit score in a few ways. When you apply for a new credit card, that hard inquiry will show up on your credit report. Additionally, when you open a new account and add to the amount of available credit (or total credit line), this may lower your debt-to-credit ratio—as long as you don’t continue to add to the amount of debt that you owe. And if you manage your new debt consolidation credit card responsibly, make your payments on time, and pay off all of your outstanding debt, that can also have an impact on your credit score.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq7" id="faq-question-7"> <span itemprop="name">Is a balance transfer a good idea?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq7" role="region" aria-labelledby="faq-question-7" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>Like so many financial decisions, only you can be sure if a balance transfer is right for you. Different credit card companies have different introductory interest rate offers and transfer fees on their balance transfers, so it’s up to you to do your research and determine if there’s a best credit card balance transfer offer for you. </p> <p> </p> <p>Get <span class="product1 introaprrate">x</span>% <span class='no-break'>APR<sup><a aria-label="&dagger;" class="disclosure cmp-button cmp-button--external no-disclosure" style="top: -5px;" data-analytics-label="undefined" data-external="true" href="https://discovercard.com/application/website/ratesrewards?srcCde=GJVP">&dagger;</a></sup></span> for 15 months on balance transfers and purchases. 3% Intro fee on balances transferred by <span class='fw_mon'></span>. Then <span class="product1 purchaseratelowapr">x</span>% to <span class="product1 purchaseratehighapr">x</span>%  Standard Variable Purchase APR and up to 5% fee  for future balance transfers will apply.<br> </p> <p> </p> <p><a aria-label="†See rates, rewards, fees, and other cost information" class="disclosure cmp-button cmp-button--external no-disclosure" style="top: -5px;" data-analytics-label="undefined" data-external="true" href="https://discovercard.com/application/website/ratesrewards?srcCde=GJVP">†See rates, rewards, fees, and other cost information</a></p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq8" id="faq-question-8"> <span itemprop="name">Can you transfer credit card balances to another card?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq8" role="region" aria-labelledby="faq-question-8" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>Yes, a balance transfer credit card offer makes it possible for you to transfer balances from one credit card to another credit card. But it’s important to know that most credit card companies won’t allow you to transfer balances from one of their branded credit cards to another credit card in their own brand.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq9" id="faq-question-9"> <span itemprop="name">Does Discover have a balance transfer fee?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq9" role="region" aria-labelledby="faq-question-9" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>Yes, Discover has a balance transfer fee.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq10" id="faq-question-10"> <span itemprop="name">Should I use a balance transfer or a personal loan to address my debt?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq10" role="region" aria-labelledby="faq-question-10" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>If you take a balance transfer offer with Discover, you not only get a low intro APR on transferred balances but you also have a new credit card account that you can use even after you’ve paid off your transferred balance. You can make a single new monthly payment, and you don’t have to pay off the entirety of the balance within a set period of time—but are expected to make at least your minimum monthly payments like you do with any credit card.</p> <p> </p> <p>A personal loan is a loan for a specific amount of money to be repaid in a specific period of time, with a repayment plan established at the outset. Your monthly payment plan is designed to be a consistent amount every month that, if you adhere to the payment schedule, means that your entire outstanding debt is repaid at the end of the loan term.</p> </div> </div> </div> </div> </span> </div> <div class="cmp-button--cta cmp-button--cta--transparent-dark"> <button class="cmp-button faq-see-more"> <span class="cmp-button__text">See more FAQs</span> </button> </div> </div> </div> </div> </section> </div> <div class="quarter-circle quarter-circle-bottom-right-small " data-lazy="true"> <img alt="Inward Curve" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/curves/curve-semi-glow-bottom-right-191-191.svg"/> </div> </div> <div class="onecolumntile cmp-alignment--left theme-dark-blue-background-gradient dark-theme cmp-p-75 aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section class="one-column one-column__container__image--icon scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-title_text-headingcontent "> <h2 id="title--555812029" class="cmp-title__text">Learn more about balance transfer credit card offers</h2> </div> <div class="one-column__container__parsys parsys-content"> <div class="contentfragmentblock contentfragmentlist cmp-alignment--left cf-list--variation-three"> <div class="cf-list scrolltracking">  <div class="cf-list__items carousel-items cf-list__items--lg-stacked cf-list__items--sm-stacked cf-list__items--3-col" carousel-lg-slides-to-show="1"> <div class="cf-list__item cf-list__item--row-first cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cf-list-tile-text-heading-var"> <div class="cf-list__item-element-value cf-list-tile-text-heading-var"><a aria-label="What is a balance transfer credit card?" class="disclosure no-disclosure" data-analytics-label="CRC:WHAT IS A BALANCE TRANSFER CREDIT CARD" href="https://www.discover.com/credit-cards/card-smarts/balance-transfer/">What is a balance transfer credit card?</a></div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value "><p> </p> <p>A balance transfer credit card offer can help you pay off higher interest rate debt. Understand the tools you need to make a credit card balance transfer work for you.</p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cf-list-tile-text-heading-var"> <div class="cf-list__item-element-value cf-list-tile-text-heading-var"><a aria-label="Can a balance transfer affect my credit score? " class="disclosure no-disclosure" data-analytics-label="CRC:CAN A BALANCE TRANSFER AFFECT MY CREDIT SCORE" href="https://www.discover.com/credit-cards/card-smarts/balance-transfer-credit-score/">Can a balance transfer affect my credit score? </a></div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value "><p> </p> <p>Learn how balance transfers affect credit score. In this article, Discover analyzes the relationship between balance transfers and your credit score.</p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cf-list-tile-text-heading-var"> <div class="cf-list__item-element-value cf-list-tile-text-heading-var"><a aria-label="Have balance transfer questions?" class="disclosure no-disclosure" data-analytics-label="CRC:HAVE BALANCE TRANSFERS QUESTIONS" href="https://www.discover.com/credit-cards/card-smarts/frequently-asked-questions-about-balance-transfers/">Have balance transfer questions?</a></div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value "><p> </p> <p>These balance transfer FAQs can help you understand what's involved with credit card balance transfers.</p> </div> </div> </div> </div> </div> <div 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