The Ultimate Guide to Credit Cards™
Tuesday, October 20, 2026

Discover it® Cash Back – 18 Month Intro Balance Transfer Offer

Danielle Spurlin

By: Danielle Spurlin

Editor: Lillian Guevara-Castro

Reviewer: Ashley Fricker

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.
Discover it® Cash Back - 18 Month Intro Balance Transfer Offer Review
Our Rating 5.0 /5.0 ★★★★★

Are you considering the Discover it® Cash Back – 18 Month Intro Balance Transfer Offer? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to others on the market.

In reviewing the card, our staff rated it a 5.0 out of 5.0.

If you're looking for a great balance transfer card, look no further. No annual fee, long introductory terms, and amazing cash back opportunities make this card a winner in our book.

Here's a rundown of the key features, rates, and terms of the Discover it® Cash Back – 18 Month Intro Balance Transfer Offer:

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.
  • Get a 0% intro APR for 18 months on balance transfers and 0% intro APR on purchases for 6 months; balance transfer fee applies. Then 17.74% to 26.74% Standard Variable APR applies, based on credit worthiness
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
  • Redeem cash back for any amount
  • No annual fee
  • Terms and conditions apply
Intro (Purchases) 0% Intro APR for 6 months
Intro (Transfers) 0% Intro APR for 18 months
Regular APR 17.74% - 26.74% Variable APR
Annual Fee $0
Credit Needed Excellent/Good

There's certainly a lot to like about the Discover it® Cash Back – 18 Month Intro Balance Transfer Offer. Let's dive deeper into the card's rates and fees, as they could make or break whether owning the Discover it® Cash Back – 18 Month Intro Balance Transfer Offer is right for you.

Interest Rate & Annual Fee

According to the issuer, the Discover it® Cash Back – 18 Month Intro Balance Transfer Offer currently charges the following interest rates on purchases and balance transfers:

  • Purchase Intro: 0% Intro APR for 6 months
  • Balance Transfer Intro: 0% Intro APR for 18 months
  • Regular APR: 17.74% - 26.74% Variable APR

Here's the annual fee for the Discover it® Cash Back – 18 Month Intro Balance Transfer Offer as listed by the issuer:

  • Annual Fee: $0
See site for details »

Credit Needed for Approval

According to the issuer, the current general credit history requirement for the Discover it® Cash Back – 18 Month Intro Balance Transfer Offer is:

  • Credit Level: Excellent/Good

If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.

Keep in mind that rates and features may change, so if you like what the Discover it® Cash Back – 18 Month Intro Balance Transfer Offer is offering today, you may want to apply now to lock it in current terms before it's too late.

How Does It Rank?

Below are all the ratings our team gives the Discover it® Cash Back – 18 Month Intro Balance Transfer Offer, along with the card's ranking within each category. To see how it compares to other cards, simply click on the category name:

(Ranked #4 out of 18)
★★★★★
4.8
(Ranked #1 out of 136)
★★★★★
5.0
(Ranked #3 out of 45)
★★★★★
4.9
(Ranked #5 out of 54)
★★★★★
4.9
(Ranked #1 out of 51)
★★★★★
5.0
(Ranked #3 out of 33)
★★★★★
4.8

Bottom Line on Discover it® Cash Back – 18 Month Intro Balance Transfer Offer

All told, our team's review of the Discover it® Cash Back – 18 Month Intro Balance Transfer Offer resulted in a rating of 5.0 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks.

If you're ready to apply for the Discover it® Cash Back – 18 Month Intro Balance Transfer Offer, here is the link the issuer's official application:

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