DISCOVER CARD HELP CENTER

Balance Transfer

Learn about the various methods to transfer other card balances to your Discover Card.

Balance Transfer Information

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Frequently Asked Questions

For New Accounts: An account must be open for 14 days before Discover can begin processing your balance transfer request. After that, most transfers are processed within 4 days. Please allow additional time for the recipient to credit your other account. To avoid late fees or penalties, we recommend that you continue to make payments on your other account until you verify the funds have been credited.

 

For Existing Accounts: Most transfers are processed within 4 days. Please allow additional time for the recipient to credit your other account. To avoid late fees or penalties, we recommend that you continue to make payments on your other account until you verify the funds have been credited.

 

You can check the status of your transfer request by logging in. 

 

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The credit you have available for a balance transfer reflects your Credit Available minus any balance transfers pending on your account. Pending balance transfers include balance transfers that have been approved but not yet authorized or that have not yet posted to your Account. Once a balance transfer has posted as a debit to your account it will be reflected in the Credit Available amount in your Account Summary.

You can avoid interest on new purchases you make if you pay your entire balance in full each month. This means unless you have a 0% introductory purchase APR, you will pay interest on new purchases if you do not pay the balances you transfer under the offer in full by the first payment due date. Please see your Cardmember Agreement for details.

Log in to your Discover account and select "Card Services" and then "Balance Transfers" from the menu options. From there, you can see balance transfer offers you may have available on your account. You might even have a choice between different balance transfer offers that let you decide if you prefer a lower balance transfer promo APR or more time to pay at the promo rate. Select the offer and complete your request by providing details about the balance you want to transfer. You can also call the phone number on the back of your card to check your available offers and complete a balance transfer request. 

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Discover it cash back credit card

DISCOVER IT® CASH BACK CREDIT CARD

You earn cash back, we match it all your first year

Only Discover® Cashback Match automatically matches the cash back you've earned at the end of your first year.1

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No annual fee

There’s no annual fee for your Discover it® Cash Back credit card. Not now. And not hiding a year from now.

Low intro APR

0% Intro APR † for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until . Then 11.99% to 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.

†See Rates, rewards and other info > , Opens new window