Learn How to Apply for the Discover It Balance Transfer Credit Card
The Discover It credit card exists mainly to offer attractive balance transfer options for debt consolidation purposes.
What do You Need to Know Before Applying for the Discover It Balance Transfer Credit Card?
The Discover It offers a specific card designed for balance transfers which includes a 0% introductory APR for the first 15 months of card usage.
Credit Card
Discover It Balance
Do you need this service? Apply now.
GO TO OFFICIAL WEBSITE * You will be directed to an external websiteDiscover card focuses primarily on balance transfers which help customers merge payments from different credit cards and decrease their interest expenses.
The card provides a 0% introductory APR for 15 months while charging a 3% transfer fee during the first period and 5% afterward.
The APR rates for purchases and balance transfers at Discover will be between 17.24% and 28.24% after the introductory period ends.
The card provides no annual maintenance fee to cardholders who transfer higher-interest card balances to Discover’s 0% interest rate.
The excess funds can be used to make substantial payments toward your debts while maintaining account equilibrium.
Discover explains that balance transfers to cut interest expenses can be a valuable strategy even though they seem complicated at first.
Discover It determines when to transfer balances based on both account conditions and payment processing methods.
The card provides cost savings through debt consolidation along with the benefit of reduced payment complexity and increased financial security.
The credit card provides excellent debt reduction benefits without charging any annual service fee. The interest or need you have makes this information relevant for your reading.
Who can Apply?
The minimum requirement to apply is being 18 years old and a legal resident. Non-citizens must provide a valid work visa for identity verification.
The bank needs applicants to show they have a reliable income stream which usually comes from stable employment or benefits.
A good to excellent credit score is necessary for getting approved for a credit card. The assessment process of Discover applies to all applications even though applicants meet the standard eligibility requirements for American residents to receive credit cards.
How do I Apply for the Discover It Balance Transfer Credit Card?
You should begin the application process by selecting the “Apply Now” button which appears on Discover’s online platform.
You will confirm your identity through the online application by providing your Social Security Number last four digits and your ZIP Code and birthdate.
You can choose to bypass this step by selecting “Skip this Step” before moving on to the application form.
You will select your desired card design while filling out the form with your complete name and address and birthdate and employment details and monthly rent or mortgage payments and income information and email address.
The bank will perform a complete assessment of your application after you submit your information.
The application process at Discover may require extra documentation such as driver’s license or passport copies and proof of address and bank statements to verify your income.
Credit Card
Discover It Balance
Need a balance transfer? Apply now.
GO TO OFFICIAL WEBSITE * You will be directed to an external websiteMore Details
The card accepts three different payment methods including chip transactions and contactless payments and digital wallet payments.
Discover offers customers nearly twenty different card design options to help them choose a card that suits their preferences.
The Discover card serves as an attractive financial product which provides benefits for both balance transfer needs and regular money management.
The Discover It system provided 1% cashback for all purchases and 5% cashback for eligible purchases until its recent changes.
The company has modified some policies so you need to verify the current benefits at the time of card contract signing.
The card includes $0 liability protection for unauthorized purchases together with continuous monitoring of your account activities.
The system aims to protect customers from information theft and leaks.
Want to learn another option?
The Discover It card provides basic features but the American Express Platinum offers advanced premium services for users who need more comprehensive benefits.
The Amex classic provides 150,000 Membership Rewards points and 5x points on airfare purchases and shows how to apply.
