A guide to applying for the Discover It Balance Transfer: credit card with ZERO balance transfer

If you’re looking for a credit card with significant perks without spending money on high interest, Discover It Balance Transfer Credit Card could be a fantastic option. 

One of its standouts is the considerable intro APR period: 0% on balance transfers for 18 months, plus a 0% intro APR transfer on purchases for six months. 

• READ THE FULL REVIEW: Looking for zero percent balance transfer? Meet the Discover it Balance Transfer!

This credit card has many security features, no annual fee, and a robust reward program. Although it is attractive to consumers who want to save on costs and still earn rewards while they shop, it’s necessary to know the card well before applying.

Here is a guide on the Discover It Balance Transfer application process, including the requirements to be approved.

Discover It Balance Transfer conditions

Before applying for any credit card, knowing the conditions and approval criteria is crucial. 

Let’s check the requirements of the Discover It Balance Transfer: 

Age: 

Candidates must be at least 18 to apply for the Discover It Balance Transfer Credit Card. This is a typical criterion in the credit card domain, as it guarantees that clients have attained the lawful maturity for financial accountability.

Domicile condition: 

Applicants need to be citizens of the United States or permanent dwellers with a valid social security number to gain approval.

Income: 

It’s essential to prove a stable source of income. This will show the issuer that you can afford the credit card expenses.

Credit Score: 

Discover usually requires a good to excellent credit score, up to 670, to qualify an applicant. 

Applying for the Discover It Balance Transfer 

Now that you’re up to date with the fundamental requirements of the Discovery It Balance Transfer credit card let’s explore the application process step by step. 

You can submit online from the comfort of your home. 

• Step 1: Browse the Discover Website.
•  Step 2: Look for the Discover It Balance Transfer option and select the “Apply Now” button. 
•  Step 3: Fill the preliminary details. You’ll need to provide information such as your postal code, date of birth, and the final four digits of your social security number. 
•  Step 4: Confirm that the first pieces of information provided are correct. 
•  Step 5: Input monetary information, such as your occupational status and total earnings. 
•  Step 6: Review the conditions of the Discovery It Balance Transfer Credit Card. If you approve, the next step is to select the “Submit” option.

Approval or refusal response: 

The approval or denial answer usually is provided in a few minutes. However, in some cases, it can take some operation days. 

Bonus Round: Discover It Balance Transfer vs. Citi Diamond Preferred 

Before choosing a credit card, it is essential to compare different options on the market. Here’s a comparison of Discover IT Balance Transfer with a similar card.

Who’s the winner? 

If you focus on a credit card with an extensive intro APR period for balance transfers, the Citi Diamond Preferred has 21 months of 0% intro APR, while the Discover It Balance Transfer has 18 months.

• READ THE FULL REVIEW: Looking for zero percent balance transfer? Meet the Discover it Balance Transfer!

But, if you want to take advantage of the balance transfer benefits and still earn rewards and cashback, Discover It Balance Transfer has a rewards program.

The first step to making a good decision is knowing the pros and cons of each card and the conditions for applying.

Click here to apply for the Discover It Balance Transfer credit card. 

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Disclaimer:

This content is not intended to be financial advice. Please consult a financial professional for guidance on your specific situation.

The rates and terms of the card are subject to change. Please refer to the credit card company.