How To Do A Balance Transfer With Discover

CREDIT CARDS - BALANCE TRANSFER CREDIT CARDS
Discover balance transfers are easy to understand and could help you pay off debt during an introductory APR period.
Updated April 16, 2024
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Doing a balance transfer with Discover is as easy as requesting one through your online account, the mobile app, or over the phone. If you don’t yet have a Discover credit card, you can also request a balance transfer during the card application process.

We think a balance transfer could make a lot of sense if you have high-interest debt that you want to pay off, and we like that most Discover cards have balance transfer offers.

Let’s explore how to do a balance transfer with Discover to see which method might make the most sense for you.

In this article

Key takeaways

  • Many Discover credit cards provide balance transfer offers. Some of our favorites include the Discover it® Balance Transfer, Discover it® Cash Back, and Discover it® Chrome.
  • We think the easiest ways to request a Discover credit card balance transfer are through your online account or the mobile app. However, you can also call Discover or request a balance transfer during the card application process.
  • Keep in mind that all Discover cards with balance transfer offers charge balance transfer fees, which typically range from 3% to 5% of the amount being transferred.
  • Your Discover account must be open for at least 14 days before a balance transfer request can be processed. After this initial waiting period, most balance transfers are processed within four days.

How to do a balance transfer with Discover

The primary methods of transferring a balance with Discover include requesting one during a new card application, through your online account or mobile app, or over the phone. Overall, it’s an easy process that might not take you more than a few minutes to complete.

Apply for a new card

If you want to apply for a Discover credit card with a balance transfer offer, compare Discover credit cards to see which card makes the most sense for you. Then go through the online application process.

Fortunately, most Discover cards have balance transfer offers, so choosing the best option comes down to your personal preferences and financial goals. For example, credit cards are often divided into different categories, such as “cash back,” “travel,” and “student” cards. With Discover, you have multiple categories to choose from.

For the online application process, it’s as simple as finding the card you want to apply for, clicking “Apply Now,” and filling out the application. You typically need some personal information on hand, including your Social Security number and total gross income.

Tip
You can request a balance transfer during the application process for a new Discover card account. Simply look for the applicable portion on the application and fill it out. You have to provide an account number and transfer amount for your balance transfer request.

Request a Discover balance transfer online

  1. Log in to your online account at Discover.com.
  2. Select the “Card Services” dropdown menu and click “Balance Transfers.”

Discover balance transfer screenshot 1


  1. You can see any available offers here. If you’re not a new cardholder, you might not have any available offers.

Discover balance transfer screenshot 2


  1. You can click on an available offer to start the balance transfer request process.

Keep in mind that most Discover balance transfers are processed within four days as long as your Discover card account has been open for at least 14 days.

Request a Discover balance transfer using the mobile app

  1. Open the Discover mobile app and log in to your account.
  2. Select the “Services” tab at the bottom.

Discover balance transfer screenshot 3


  1. Choose the “Balance Transfer” option.

Discover balance transfer screenshot 4


  1. You can see available offers here. If you’re an existing cardholder (didn’t just open a new card), you might not have any available offers.

Discover balance transfer screenshot 5


  1. If there are available offers, you can click on an offer and start the balance transfer request process.

Note that we used an iOS device (iPhone) to access the Discover app. The layout could look slightly different on an Android device.

Request a Discover balance transfer by phone

  1. Call Discover at 1-800-347-2683.
  2. Follow the prompts to reach an account manager or customer service representative. If asked what you’re calling about, you can say, “Request a balance transfer.”
  3. Let the representative know you want to request a balance transfer and follow their instructions to start the process.

Which Discover cards have balance transfer offers?

Most Discover credit cards have balance transfer offers. Here are some of our recommendations if you want to transfer a balance.

Card Balance transfer intro APR Balance transfer fee Annual fee
Discover it® Balance Transfer
4.6
See terms 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* $0
Discover it® Cash Back
4.7
0% intro APR for 15 months on balance transfers (then 17.24% - 28.24% Variable) 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms) $0
Discover it® Chrome
4.2
0% intro APR for 15 months on balance transfers (then 17.24% - 28.24% Variable) 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms) $0
Discover it® Miles
4.0
0% intro APR for 15 months on balance transfers (then 17.24% - 28.24% Variable) 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms) $0

FAQs

How do I do a balance transfer on my Discover card?

You can request a balance transfer through your online account, with the mobile app, or by calling Discover customer service. You can also initiate a balance transfer during the application process for your new Discover card account. If you’ve had an existing Discover card for a while, you need to check your card account for available balance transfer offers.

Can I use my Discover card to pay off another credit card?

In general, you can’t directly pay off one credit card with another, but you could do a cash advance or balance transfer. Cash advances typically aren’t worth considering because of their high fees and interest rates. A balance transfer might be worth it if it helps you pay off high-interest credit card debt during a promotional interest period.

Is Discover balance transfer worth it?

It could be worth it if you have high-interest debt that you’re struggling to pay off. With a Discover balance transfer offer, you could move that high-interest debt to a card with a low-interest introductory offer. If you’re able to pay off the debt during the offer period, you could save money on interest charges.

Discover balance transfers: bottom line

You can initiate a Discover balance transfer through your online account, with the mobile app, or over the phone with Discover customer service. There’s also an option to initiate a balance transfer during the application process for a new Discover credit card.

If you’re an existing Discover cardholder, check your online account to see if you have any available balance transfer offers.

We like how most Discover cards have balance transfer offers. If you want to consider more options, check out our list of the best balance transfer cards.

No annual fee & 0% Intro APR

4.5

Citi Simplicity® Card

Current Offer

Long introductory APR period on balance transfers

Annual Fee

$0

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Author Details

Ben Walker, CEPF, CFEI® Ben Walker, CEPF, CFEI®, is a Senior Credit Cards Writer at FinanceBuzz. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.

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