Earn 5% Cash Back
Unlimited Cashback Match
0% Intro APR
Start out right with our low intro APR
Benefits that don’t just talk the talk
$0 Fraud Liability
You’re never responsible for unauthorized purchases on your Discover Card. 7
Free Social Security number alerts
Get an alert if we find your Social Security number on the dark web. Sign up for CreditWise today - it’s available even if you don’t have a Discover card. 2
Lock your card
FICO® Score and more
It’s free and checking your score doesn’t hurt your credit. Sign up for CreditWise today - it’s available even if you don’t have a Discover card. 5
Real human customer service 24/7
You can talk to a real human on our customer service team any time. 9
Tap to pay
It’s fast and easy to pay with your contactless Discover Card. 11
Questions about credit card balance transfers
A credit card balance transfer offer is the terms you receive from a lender that allows you to consolidate debt and transfer a balance – or multiple balances – to a single account. Some factors to consider are the interest rate (APR) for the introductory or promotional period, the standard APR after the intro period expires, the balance transfer fee, and the length of the promo period.
Yes, potential new cardholders can apply for a Discover it Balance Transfer 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.
Review your balance transfer offer to learn how long it takes for your other debts to be moved to your new account. The timing may depend on factors including the status of your debt accounts or the ways that they are paid.
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’s subject to the standard APR.
When you originally transfer the balance, you may pay a balance transfer fee. This charge is a percentage of the total transferred balance and is added 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.
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, that would equal $50. So, the initial amount that you will need to repay on the new credit card is $1,050.
Opening a balance transfer credit card may affect your credit scores for a number of reasons. Just like applying for other credit cards, it can trigger a hard inquiry that can cause a small but temporary drop in your credit scores. Balance transfers could also lower the average age of your credit accounts, which is something lenders look at when assessing your creditworthiness.
But when done responsibly, using a balance transfer card to pay down credit card debt can have a positive impact on your credit scores by decreasing the total amount you owe on your accounts.
What happens to an old credit card after a balance transfer depends on several factors.
If the entire balance was transferred to a new card, your old credit card will have a $0 balance. You can then decide if you’d like to keep the card or if you want to close the account.
Sometimes, however, you can’t transfer the entire balance of your old card(s) to a new card because the credit limit on your new card may not be high enough. In that case, your old card may still have a balance on it and you should have a plan in place to help pay off that credit card debt as soon as possible.
Like 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.
Learn more about balance transfer credit card offers
Rates And Fees Information
The offer terms presented on this page (including, but not limited to, APR rates) may be different than offer terms displayed if you navigate away from this page. Check the terms of your specific offer before you move forward with submitting an application.
- Footnote 1:
You must meet other applicable underwriting criteria. When we evaluate your creditworthiness, we consider all the information you provide on your application, your credit report, and other information. If you have a credit score, we may use that in our evaluation. Not having a credit record may impact your approval odds.
- Footnote 2:
Alerts and CreditWise Terms: Eligible users who have signed up for CreditWise, a free credit monitoring service provided by Capital One, will get access to their TransUnion® credit report, FICO Score 8, credit monitoring alerts based on select changes to their TransUnion® and Experian® credit reports and information we find on the Dark Web, tools to help them understand their credit, offers, and more. The credit score provided in CreditWise is a FICO Score 8 based on TransUnion data. The FICO Score 8 gives you a good sense of your credit health but it may not be the same score model used by your lender or creditor. In order to enroll in CreditWise, you need to be over the age of 18 with a valid social security number that can be matched to a credit profile with TransUnion. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies. You do not need to have a Capital One account (which includes Discover card accounts) to sign up for CreditWise. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
- Footnote 3:
Cashback Match: We’ll match all the cash back you’ve earned on your credit card from the day your new account is approved through your first 365 days and add it to your rewards account within two billing periods. You earn cash back only when transactions are processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover or Capital One checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardholders. No purchase minimums.
- Footnote 4:
When Card Lock is enabled, some activity may continue, including returns, credits, payments, interest, balance transfers, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions. Typically, only primary cardholders or account managers can lock and unlock a card. Capital One customers are responsible for regularly checking their account activity and making payments on locked cards. If your card is lost or stolen, please notify Capital One as soon as possible.
- Footnote 5:
FICO® Credit Score and CreditWise Terms: Eligible users who have signed up for CreditWise, a free credit monitoring service provided by Capital One, will get access to their TransUnion® credit report, FICO Score 8, credit monitoring alerts, tools to help them understand their credit, offers, and more. The credit score provided in CreditWise is a FICO Score 8 based on TransUnion data. The FICO Score 8 gives you a good sense of your credit health but it may not be the same score model used by your lender or creditor. In order to enroll in CreditWise, you need to be over the age of 18 with a valid social security number that can be matched to a credit profile with TransUnion. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies. You do not need to have a Capital One account (which includes Discover card accounts) to sign up for CreditWise. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
- Footnote 6:
Acceptance: According to the Feb 2026 issue of the Nilson Report.
- Footnote 7:
$0 Fraud Liability: An “unauthorized purchase” is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Unauthorized use and $0 fraud liability claims are subject to investigation and verification. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends.
- Footnote 8:
Many factors affect your credit, such as payment history and amount of credit extended and used. Using your credit responsibly may help you build good credit.
- Footnote 9:
Customer service: Certain specialized customer service agents may not be available 24/7.
- Footnote 10:
There is no hard inquiry to your credit report to check if you’re pre-approved. If you’re pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval, and any pre-approved offers you receive may have offer terms that vary from other offers you see elsewhere. Some card products are not eligible for pre-approval.
- Footnote 11:
You can use the tap to pay feature with your contactless card anywhere your Discover credit card is accepted, and you see the contactless symbol at checkout. Not all merchants accept contactless payments. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.