Jordan November 9th, 2019

Our Take

NerdWallet rating ?
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4

The bottom line: If you're OK with a shorter interest-free window, other cards earn ongoing rewards or feature lower balance transfer fees.
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on Citibank's application

Discover it® Balance Transfer

ANNUAL FEE

$ 50.00

REGULAR AFR

INTRO APR

Cashback Match™

RECOMMENDED CREDIT SCORE
743-850

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Quick Facts

Pros & Cons

Pros

  • Bonus cash back categories
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers
  • No foreign transaction fee

Cons

  • Slightly less merchant acceptance for Discover in US – acceptance outside of US can be an issue
  • If you value simplicity, a flat rate cash back card may be better
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Discover it® Balance Transfer
RECOMMENDED CREDIT SCORE

743- 850

Best For

LONG-TERM VALUE

Annual fee

$ 50.00

Rewards rate

1%-5%

Intro Offer

Cashback Match™

Pros

Pros

  • Bonus cash back categories
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers
  • No foreign transaction fee

Cons

Cons

  • Slightly less merchant acceptance for Discover in US – acceptance outside of US can be an issue
  • If you value simplicity, a flat rate cash back card may be better