Take a Break from High Interest: This Top Card Offers 18 months of 0% Intro APR on Balance Transfers

Balance transfer cards can help you pay off high-interest debt faster. The FinanceBuzz editors reviewed dozens of cards with 0% intro offers for balance transfers, and the Discover it^® Chrome credit card is one of our favorites for its extra-long no interest period. 

Top Pick

Discover it^® Chrome

4.2

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Discover's secure website

Rates & Fees

More Details +

What you need to know:

• Wipe out high interest rates! Enjoy a 0% intro APR on balance transfers for 18 months. 
• After the intro period for balance transfers, the APR is 18.49% - 27.49% Variable *Rates as of December 12, 2024.
• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
• Discover will match all the cash back you’ve earned at the end of your first year.
  
• $0 annual fee.
  

The Discover it^® Chrome(Rates and fees) stands out from other intro APR cards as it offers this excellent introductory rate on balance transfers and the ability to earn cash back. It’s hard to find another option that offers so much value with no annual fee.

4.2

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Rates & Fees

Top Pick

Discover it^® Chrome

Apply Now

on Discover's secure website

Card Details

• INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
• Get a 0% intro APR for 18 months on balance transfers. Then 18.49% to 27.49% Standard Variable APR applies, based on credit worthiness. Rates as of December 12, 2024.
• Redeem your rewards for cash at any time.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• No annual fee.
• Terms and conditions apply.

Why We Like It

The Discover it^® Chrome is ideal for anyone who wants to earn cash back rewards without paying an annual fee. 

Discover will match all the cash back you’ve earned at the end of your first year. Plus, this card offers a 0% introductory APR on balance transfers for 18 months (then 18.49% - 27.49% Variable *Rates as of December 12, 2024).

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

What we like about the Discover it^® Chrome card

Where this card really shines is its generous 0% introductory APR period for balance transfers for 18 months, then 18.49% - 27.49% Variable *Rates as of December 12, 2024. It's one of the longest introductory interest-free periods available. If you don’t have credit card debt but know you have a big upcoming expense, the Discover it^® Chrome card can also help you save money. That’s because purchases also have a 0% intro APR period for 6 months, then 18.49% - 27.49% Variable *Rates as of December 12, 2024.

More benefits and perks

• Generous cash back match offer: Discover will match all the cash back you’ve earned at the end of your first year.

• Powerful cash back rate: Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

• Late fee forgiveness: With the Discover it Chrome, the first time you make a late payment, you don't have to pay a late payment fee. If you miss a subsequent payment, though, you'll pay a fee of up to $41.

• $0 annual fee: There is no annual fee with Discover it Chrome. 

• Apply online now

Who is this card best for?

The Discover it^® Chrome is great choice for anyone who:

• Has good to excellent credit: The Discover it^® Chrome card is appropriate for people who have good-to-excellent credit. A good to excellent FICO credit score is a score of 670 or higher.
• Wants a generous cash back match offer: Discover will match all the cash back you’ve earned at the end of your first year.
  
• Wants to save money on high-interest debt: It's tough to beat the Discover it^® Chrome card's 0% introductory APR period for balance transfers for 18 months, then 18.49% - 27.49% Variable *Rates as of December 12, 2024 APR. 
• Needs to pay off a large purchase over time: You can breathe a little easier and give yourself time to pay off your balance before interest kicks in with the 0% intro APR for 6 months on purchases, then 18.49% - 27.49% Variable *Rates as of December 12, 2024 APR.

Is there a better balance transfer card?

The Discover it^® Chrome is considered one of the top balance transfer cards available for good reason. With 18 months of 0% intro APR on balance transfers (then 18.49% - 27.49% Variable *Rates as of December 12, 2024 APR) , new cardholders have a long time to pay down their balances before interest kicks in. You could pay down some sizable debt with such a lengthy balance transfer period. Plus, there's no annual fee to worry about.

Earn Easy Cash Back on Gas & Restaurants

Discover it^® Chrome

Benefits

Card Details

• Excellent welcome offer
• Elevated rates in common spending categories
• Useful redemption options
• Apply Now

• INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
• Get a 0% intro APR for 18 months on balance transfers. Then 18.49% to 27.49% Standard Variable APR applies, based on credit worthiness. Rates as of December 12, 2024.
• Redeem your rewards for cash at any time.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• No annual fee.
• Terms and conditions apply.

4.2

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Discover’s secure website

Rates and fees

Read Card Review

Intro Offer

Discover will match all the cash back you’ve earned at the end of your first year.

Annual Fee

$0

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Why we like it

• The Discover it^® Chrome is ideal for anyone who wants to earn cash back rewards without paying an annual fee.

• Discover will match all the cash back you’ve earned at the end of your first year. Plus, this card offers a 0% introductory APR on balance transfers for 18 months (then 18.49% - 27.49% Variable *Rates as of December 12, 2024).

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

• Apply Now