Learn How to Apply for the Discover It Balance Transfer Credit Card
Important Information to Consider Before Applying for the Discover It Balance Transfer Credit Card
The Discover It offers a specialized credit card for balance transfers, featuring a **0% introductory APR** for the first 15 months of using the card.

CREDIT CARD
Discover It Balance
Are you in need of this service? Submit your application today.
GO TO OFFICIAL WEBSITE* You will be directed to an external website
The main focus of the Discover card is centered around simplifying balance transfers, making it easier to consolidate monthly payments from other credit cards and reduce interest costs.
In order to achieve this goal, a 0% introductory APR is provided for the first 15 months, along with a 3% transfer fee at the beginning and 5% thereafter.
Following the initial period, the APR rates for purchases and balance transfers vary from 17.24% to 28.24%.
Furthermore, cardholders can benefit from the fact that the card eliminates the need for an annual maintenance fee. This feature enables them to save a significant amount on interest fees by moving balances from cards with higher interest rates to Discover’s 0% rate.
The excess funds can be reallocated to make larger debt payments, achieving a balanced financial situation.
Although it may seem overwhelming at first, Discover reassures that utilizing balance transfers to save on interest is a valuable strategy.
The timing for transferring balances will vary based on account statuses and payment methods, according to information from Discover It.
Not only will you save money by consolidating your debts onto the card, but you will also experience a sense of tranquility and save time that would have been spent on managing multiple payments.
By utilizing the credit card, individuals can effectively minimize their debts without incurring any annual maintenance fees for the service. If this opportunity interests you or meets your needs, please continue reading.
Eligibility Criteria

The minimum age requirement is 18 years old for legal residents. Non-citizens need to present a valid work visa for verification purposes.
Additionally, applicants must demonstrate a consistent income source, often from secure employment or benefits.
Ensuring your credit score is in the good to excellent range is crucial for obtaining approval for a credit card. Nonetheless, meeting these requirements does not automatically ensure approval, as all applications are subject to Discover’s evaluation process.
Discover credit cards follow the typical eligibility requirements for issuing cards to residents of the United States.
What is the Process to Apply for the Discover It Balance Transfer Credit Card?
To begin the process of applying for the card, you should click on the “Apply Now” button on Discover’s website.
You can confirm your identity by providing the last four digits of your Social Security Number, ZIP Code, and date of birth.
If you would rather fill out the application manually, you can choose to “Skip this Step” and move on to the application form.
When completing the form, you will select your favorite card design and input personal details such as your full name, address, date of birth, employment status, monthly rent or mortgage payments, monthly income, and email address.
Once the details have been submitted, the bank will carefully evaluate your application.
During the procedure, Discover might ask for more paperwork, like a scanned copy of your ID or passport, evidence of your address, and bank statements to confirm your income.

CREDIT CARD
Discover It Balance
Looking for a balance transfer? Submit your application today.
GO TO OFFICIAL WEBSITE* You will be directed to an external website
Additional Information
Moreover, the card is versatile, supporting chip, contactless, and digital wallet payments.
Discover presents a variety of card design options, with close to twenty selections available to customize the card according to the cardholder’s preferences as closely as possible.
Hence, the Discover card proves to be a compelling option for managing both balance transfers and day-to-day finances.
Not long ago, the card provided cashback perks of 1% for all transactions and 5% for qualifying purchases under the Discover It program.
At the moment, it will be essential to verify while signing the contract with the card, since the company has made some policy changes.
Regarding advantages, the card offers protection against unauthorized purchases with a $0 liability feature and continuous monitoring of account transactions.
The objective is to protect the client from potential information leaks or theft.
Interested in exploring a different choice?
If you are searching for a more thorough and high-quality service, the American Express Platinum is an excellent option, compared to the basic Discover It card.
The Amex classic offers 150,000 Membership Rewards points and provides 5x points on airfare purchases. Learn more about how to apply.