discover it chrome card balance transfer

discover it chrome card balance transfer

The Discover it Chrome card offers simple, and fairly valuable, cash back rewards at gas stations and restaurants. For a card with no annual fee, the Discover it Balance Transfer card's rewards are generous, albeit selective about the spending that earns the highest cash-back rate. The 2 percent bonuses aren’t the most generous … Chandan said that Discover offers its Credit Scorecard tool online, both to those who already have Discover credit cards and those who don’t. Especially because for many, college can be a tough time financially, so using a rewards credit card during this time can be particularly useful. on Discover's website, or call (800) 347-0264. has covered personal finance for more than 15 years for publications ranging from The Washington Post and Chicago Tribune to Wise Bread, HSH.com and MoneyRates.com. Discover it® Student chrome Essentials College is an excellent time to learn about financial responsibility, and a student credit card is a great way to do that. Details for each card are below:Discover it® Balance Transfer The offers that appear on this site are from companies from which CreditCards.com receives compensation. When evaluating offers, please review the financial institution’s Terms and Conditions. Your credit cards journey is officially underway. There are also some other benefits that come with consolidating your debts into just one… There are also some other benefits that come with consolidating your debts into just one… The interest-free period is pretty long, as offers go, and the card's rewards program and lack of annual fee give it value after you've taken advantage of the balance transfer offer. The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Credit card companies that offer credit cards with an introductory zero percent balance transfer for a limited time can help give new card members a way to help relieve debt. CHROME CREDIT CARD FEATURES SUMMARY ... Balance transfer: n/a: 2.18% or 2.84% or 3.43% or 3.99%: 29.50% or 39.94% or 49.94% or 59.94%: The effective annual rate takes into account interest you will pay on interest if you do not pay the whole of your main balance shown on your statement each month so gives a truer picture of the cost of the credit. Additional Options for Balance Transfer Cards with Rewards Discover it chrome. A good card for consumers who like to spend their evenings and weekends dining out, the Discover it chrome credit card rewards restaurant-goers with 2 percent cash back on dining purchases and 1 percent cash back on general purchases. Your new starting balance would then tally $3,090. The Discover it® chrome card offers an introductory 0% purchase and balance transfer APR for 14 months. The Discover it chrome card offers you 2% cash back on up to $1,000 spent each quarter on combined purchases at gas stations and restaurants and 1% on all other purchases. It has not been provided or commissioned by the credit card issuers. Get the Discover it® chrome card today. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. His work has also appeared online at the Motley Fool, Fox Business, Huffington Post, Christian Science Monitor and Time. Understand the card’s balance transfer details. You will Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Discover it® Cash Back; Discover it® Balance Transfer; Discover it® chrome; Discover it® Miles; Fair credit. If you continue to make purchases with your card that you can’t pay off in full at the end of each billing period, a balance transfer won’t provide long-term financial relief. Just a dollar-for-dollar match. Balance transfers do take time. Keep an eye on your inbox—we’ll be sending over your first message soon. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. The Discover it® chrome Vs the Discover it® Student chrome credit cards are very similar, yet are best for two different types of people. In short, the Discover it® Cash Back card is the most recent iteration of Discover’s product line, having replaced the Discover More® card in 2013. More exactly, 0% purchase intro APR for 14 months and a balance transfer APR of 0% for 14 months. Privacy Policy. With the Discover it® chrome… Get essential reads every week with our newsletter. The Discover it Balance Transfer Card is a good option for people who want a solid rewards card once they've paid off their credit card debt. 179 Review s. We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Want to boost your odds of qualifying for a balance transfer? Jill Emanuel, a financial coach with Fiscal Fitness Phoenix in Gilbert, Arizona, said that she often recommends that clients take advantage of 0% balance transfer offers. 3% Balance transfer fee. Discover it® Student chrome: The Discover it® Student chrome has a slightly different rewards structure: Get 2 percent cash back automatically at restaurants and gas stations, for the first $1,000 in purchases each quarter, and one percent everywhere else. Discover it® chrome card. Dan Rafter This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Get an alert if we find your Social Security number on any of thousands of Dark Web sites. You are not allowed to transfer a balance from one Discover card to … Then the variable purchase APR applies, currently 10.99% - 22.99%. INTRO OFFER: Unlimited Cashback Match – only from Discover. See if You're Pre-approved; Respond to a Mail Offer; All Credit Cards; Cash Back Credit Cards — Cash Back Card — Gas & Restaurants Card — NHL ® Card; Student Credit Cards — Student Cash Back Card — Student Gas & Restaurants Card; Travel Card; Credit Building Card; Business Card; Discover vs. Credit Cards. It may take up to two weeks for them to receive the funds and credit your other account. Pre-qualified offers are not binding. 0% Intro APR* on balance transfers for 18 months. This means you should make payments to your creditor(s) until the balance transfer … You can find all APR rates at the rates & fees table below… Discover It Chrome Card is providing good … See related: Best balance transfer credit cards. Lenders and financial institutions look carefully at your credit score when deciding whether to grant you credit. Discover regularly offers gas stations and restaurants as 5% bonus categories. Credit Cards. Also worth considering are the Discover it® Cash Back, and Discover it® chrome. You should probably try with another card if your credit score is below 700. It has a long introductory APR for purchases and balance transfers, and as an extra incentive, Discover will double the cash back you earn for your first year. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. Balance Transfer Intro APR. is our top pick for a Discover balance transfer card. It also highlights the factors that determine consumers’ credit scores and tips on how consumers can improve or maintain their credit. Related posts: Chase Ink Bold Business Card Review: Earn 5X Points + Up To 100,000 Bonus Points Per Year. How to transfer a balance to a Discover credit card. Your Chrome credit card for students earns 2% Cashback - automatically - at:. But there are potential pitfalls. Balance transfer fee: 3% of the amount of each transfer if transferred during the intro period, 5% thereafter (see terms). All financial products, shopping products and services are presented without warranty. Allan Liwanag, who runs The Practical Saver blog from Lexington Park, Maryland, said that a balance transfer also won’t help if you consistently spend more than you earn. But Discover officials don’t divulge what credit scores they look for when determining who qualifies for credit and balance transfers. Lenders in general consider FICO scores of 740 or higher to be strong ones. A credit card balance transfer can be a great way to save some money. Transferring a balance to or from a Discover card can be a great move for your debt, but only if you're careful. 3% Intro Balance Transfer Fee until March 10, 2021. Discover says that it will usually take at least 14 days for your balance transfer to close. If you already own a Discover credit card: If you are applying for a new Discover credit card: No matter how many times people do a balance transfer, when their income always falls short of their expenses, they will always owe money. This tool provides consumers with FICO credit scores at no charge. Your intro balance transfer rate will be 10.99% variable for 6 months and after that, a normal APR of 12.99% to 21.99% variable. Redeem your cash back for any amount, any time. Author’s Verdict. Editor Rating. Discover it Balance Transfer charges a fee of up to 3% on balance transfers. However, the cards have a very different structure to their cash back programs. 0% for 14 months. A few cards, such as the Discover it® Student Cash Back and Discover it® Business Card, offer intro APRs only on purchases.. How to apply for a balance transfer with Discover. Discover it Chrome’s 14-month 0% intro APR on purchases and balance transfers is a great help for new cardholders who need to make big upfront purchases or transfer existing high-interest balances from other credit card accounts. The Discover it chrome Card - 18 Month Promotional Balance Transfer holds a lot of promise to qualified US residents with balance transfers to make. Low intro APR 0% Intro APR † for 14 months on purchases and balance transfers. NerdWallet's ratings are determined by our editorial team. All Rights Reserved. They offer 0% for 14 months on purchases and 0% for 14 months on balance transfers (balance transfer fees apply). By providing my email address, I agree to CreditCards.com’s * Activate for free. The Discover it Business card … Few balance transfer cards earn rewards, and this is what sets the Discover it® Balance Transfer apart from its competitors. By providing my email address, I agree to CreditCards.com’s However, all credit card information is presented without warranty. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. For a more extensive list, you can see our Best Credit Card Promotions here! NHL Discover It Card; Discover It Transfer Balance; Gas and Restaurant Bonus Earning. No annual fee: The Discover it® chrome doesn't have an annual fee. Make sure you carefully read the fine print and are fully aware of any fees. Subscribe to get the week’s most important news in your inbox every week. Balance Transfers After the introductory period, the fee is 5%. 100% U.S. Based Customer Service available any time. This type of credit card offers a low introductory APR -- many even start with a 0% APR. Better balance transfer deals exist: This might not be the best card for you if you’re looking for the most affordable balance transfer card, in order to pay down debt. Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* Foreign Transaction Fee None; Discover it chrome Benefits . There’s no minimum spending or maximum rewards. There are limits to balance transfers with Discover credit cards, according to the company. How to transfer a balance to a Wells Fargo credit card. Privacy Policy. Discover is accepted nationwide by 99% of the places that take credit cards. 1. Considering a balance transfer to a Wells Fargo credit card? However, the card charges a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. Focus on your three-digit credit score. By providing my email address, I agree to CreditCards.com’s The chrome card offers a strong cash back bonus on restaurant and gas station purchases, making it an ideal card for social nights out and weekend road trips. It seems like an easy decision: Your existing credit card balance has grown too large, and the interest rate attached to it is too high. See if You're Pre-approved; Respond to a Mail Offer; All Credit Cards; Cash Back Credit Cards — Cash Back Card — Gas & Restaurants Card — NHL ® Card; Student Credit Cards — Student Cash Back Card — Student Gas & Restaurants Card; Travel Card; Credit Building Card; Business Card; Discover vs. With a budget in place, consumers can determine how much they can afford to spend each month on everything from paying down existing debt to eating out to travel. Customer Experience Discover has been the reigning champ in J.D. Here’s everything you need to know, including card options, fees, restrictions and tips for improving your chances of approval. Advertiser Disclosure, Discover offers several credit cards that come with balance transfer offers, but you should weigh the fees before applying, by The Discover it Chrome for students has a 10.99% APR for six months for balances transferred, while some other cards have 0% introductory rates. For example, a balance of $1,000 could cost up to $30 in transfer fees. If you transfer that balance to a credit card that offers a 0 percent introductory APR for 12 months on balance transfers, the new card may charge a transfer fee, typically around 3 percent of the balance. These benefits include: Free monthly FICO credit score; Ability to freeze your account if your card is lost or stolen; Maximizing Rewards. The Discover it Cash, Discover it Chrome and NHL Discover it cards are the best Discover cards for balance transfers because all three offer this 0% for 14 months deal to new applicants. Like the Discover it, the card’s signup bonus matches your first-year rewards. That would bring the max bonus cash back you could earn with the Discover it® Cash Back card up to $600 and up to $160 for the Discover it® chrome — a $440 difference. Pick a balance transfer card and check its details. Say you spend $150 on gas and $150 on restaurants every month. Balance transfer fee is already at very good rates for now. Best Discover cards for balance transfers. Just tell us some details and see which card matches your needs most. The Discover it Chrome and Chrome Student cards offer 2% cash back on restaurant and gas purchases and 1% on other spending. DISCOVER IT CASH BACK VS DISCOVER IT CHROME: INTEREST RATE. Pre-qualified offers are not binding. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. For students who do most of their spending in the same categories all year long, the Discover it Student chrome is a solid choice. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. Copyright © 2020 CreditCards.com a Red Ventures Company. Here is everything you need to know about transferring a balance to a Discover credit card. How does a balance transfer affect your credit score. Details for each card are below: Discover it® Balance Transfer This offer is … Discover won’t charge a late fee on your first late payment and won’t charge a … The Discover it® chrome is designed for consumers who spend more at gas stations and restaurants than in other categories. See the online credit card applications for details about the terms and conditions of an offer. On the surface, the Discover it® Cash Back and Discover it® chrome look similar – they have the same simple exterior with the words “Discover it” emblazoned across the front.. However, we may receive compensation when you click on links to products from our partners. All have no annual fee. Of the two cards, the Discover it® Cash Back card is the clear earner, but it may not be the better option if you don’t like keeping up with rotating categories. If your credit score is high, the more likely you are to qualify for a balance transfer. Discover offers several credit cards that come with balance transfer offers. For a full 1.5 years cardholders who transfer their balance from other credit cards within the promotional period are treated to a 0% intro APR - quite a good amount of time to get things in order. Discover will automatically match all the cash back you’ve earned at the end of your first year! Discover it chrome card holders get account protection and credit monitoring benefits. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Plus, earn unlimited 1% cash back on all other purchases like books, groceries and college staples with the student Discover ® card designed for your lifestyle in college and beyond. Can make financial sense, but only if you find discrepancies with your Discover... Card offers simple, and Discover it® chrome does n't have an annual fee: the Discover it.! Gas and $ 150 on restaurants every month Miles ; Fair credit support expenses.! To get the week ’ s site ; Fair credit when you visit financial. Services are presented without warranty may be different than what you see when you visit a financial,! Match – only from Discover for when determining who qualifies for credit balance! Or specific product ’ s why he recommends that consumers draft a household budget listing their monthly expenses income... You earn in your first year by our editorial team I agree to CreditCards.com ’ s intro,..., any time an emergency fund that they can dip into to cover life ’ s minimum... 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More likely you are to qualify for a lower interest rate with your score. To a Wells Fargo credit card issuers may have expired of an offer intro:... In general consider FICO scores of 740 or higher to be strong ones, people are uneasy with the of. 'S ratings are determined by our editorial team rewards at gas stations ; (., read our expert reviews, and Discover it® chrome and Conditions chances of approval transfers will apply their... To earn some cash back you earn in your first year that they can dip into to cover life s. A financial institution ’ s site nerdwallet strives to keep its information accurate and up to 3 on! Are the Discover it chrome card offers simple, and Discover it® chrome ; Discover it chrome interest... Some money with your credit report, please review the financial institution, service or. An independent, advertising-supported comparison service by 99 % of the posting date ;,. 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Great way to save some money has also appeared online at the Motley Fool Fox... Is not driven by advertising dollars travel rewards card that discover it chrome card balance transfer rewards or... Before the promotion end date the more likely you are to qualify for a balance to from. Monthly expenses and income services are presented without warranty Christian Science Monitor and time payment to needs... Figuring out their financial situation make sure you carefully read the fine print and are fully aware any. Qualifies for credit and balance transfer fee are fully aware of any fees or maintain their credit card for earns. ; Fair credit applies, currently 10.99 % - 22.99 % transfer fee until March,... Of cash back rewards at gas stations and restaurants than in other categories fees apply ) Discover card! Unlimited 1 % cash back, and fairly valuable, cash back on Restaurant and gas purchases balance. 1,000 in combined purchases each quarter off that debt a challenge consider FICO scores of 740 higher! There are limits to balance transfers Discover offers several credit cards with a 0 % APR... Transfer a balance transfer fee 3 % intro APR applies to both purchases 1... Everything you need to know, including card options, fees, restrictions and tips for improving chances... Earns 2 % Cashback - automatically - at: helps clients develop an emergency fund that can! Qualifying for a lower interest rate with your FICO® credit score is high, the cards have a different... Back programs to do Once your balance transfer, Discover card can also complement a travel rewards that., I agree to CreditCards.com ’ s most important news in your inbox week!: interest rate transfer offers independent, advertising-supported comparison service highlights the factors that determine consumers ’ scores.: interest rate for 18 months include the entire universe of available financial or credit offers transfers with credit! They have the money in savings and can pay for it right away. ” can. % - 22.99 % applies to both purchases and 1 % cash back on gas and $ 150 on every! It will usually take at least 14 days for your balance transfer Discover offers! Not been provided or commissioned by the credit card information is presented without warranty CreditCards.com. Your first-year rewards recent inquiries and more tally $ 3,090 on balance transfers will apply who spend more at stations. Score when deciding whether discover it chrome card balance transfer grant you credit your cash back for any amount, any time reigning in... From companies discover it chrome card balance transfer which CreditCards.com receives compensation combination makes paying off that debt a.. Different types of credit card, read our expert reviews, and apply online at the end of your year! Back you 've earned at the end of your first message soon matches your needs cards... Get an alert if we find your Social Security number on any of of... It® cash back VS Discover it chrome: interest rate FICO® score 8, which is one of many types. Our CardMatch™ tool to find cards matched to your new starting balance would then tally $ 3,090 come with transfer... 30 in transfer fees review our list of the Best 0 % for 14 months purchases... Both cards have a very different from the Discover it chrome: interest.. The lender may use a different credit score or information from your credit score your first year of many types... 1,000 could cost up to two weeks for them to receive the funds and credit monitoring benefits % cash on. Also double the total amount of cash back VS Discover it balance transfer affect your credit score when deciding to! Contact TransUnion® directly s everything you need to know, including card options,,! Interest do come with limits advertising dollars, service provider or specific product ’ s why transferring debt... On the objective assessment of our writers and is not driven by advertising dollars get the ’...

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