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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How long does it take to process a balance transfer request?

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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Why is the Credit Line Available amount noted on my balance transfer offer and balance transfer request pages sometimes different than what I see in my Account Summary?

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.

Can I avoid interest on purchases if I transfer a balance?

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.

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