Exploring the Top Benefits of the Discover It Balance Card


The Discover it Balance Card stands out as a financial product tailored to meet the needs of individuals seeking effective balance transfer solutions and efficient credit management. This card is particularly appealing to those looking to consolidate their high-interest credit card debt, offering an introductory period with a 0% APR on balance transfers.

Its competitive edge is further enhanced by no annual fee, making it an economical choice for budget-conscious consumers. Find out more about the card throughout this article.

Discover the Discover It Balance card


In addition to its balance transfer features, the Discover it Balance Card rewards users with cash back on everyday purchases, aligning savings with spending. The card also incorporates Discover’s standard suite of benefits, including free access to FICO credit scores, top-notch security features like Social Security number alerts, and U.S.-based customer service.

Discover It Balance

How to request?

Applying for the Discover It Balance Credit Card is a straightforward process, tailored to be as efficient and user-friendly as possible. Here are the steps to guide you through requesting this card:

  1. Apply Online:
    • Visit Discover’s official website and navigate to the Discover It Balance Card section.
    • Fill in the online application form with the required details.
  2. Understand Terms and Conditions:
    • Carefully read through the card’s terms, including interest rates, fees, and reward structures.
    • Pay special attention to the details of the balance transfer offer.
  3. Submit Your Application:
    • After filling out the form, review all entered information for accuracy.
    • Submit your application online.
  4. Wait for Approval:
    • Discover will process your application, which includes a credit check.
    • Approval times can vary; some applicants may receive instant approval, while others might wait a few days.
  5. Post-Approval:
    • Once approved, you will receive your Discover It Balance Credit Card by mail.
    • Follow the instructions provided to activate your card.
  6. Set Up Online Account:
    • Register for a Discover online account to manage your card, view transactions, and make payments.
  7. Download Discover’s Mobile App:
    • For easier management, consider downloading Discover’s mobile app.

Applying for the Discover It Balance Credit Card is not just about getting a new card; it’s a step towards efficient credit and debt management. The process is designed to be transparent and accessible, ensuring applicants are well-informed and comfortable with their financial decisions.

Discover It Balance Card Benefits

The Discover It Balance Card offers a range of benefits designed to provide financial ease and rewards to its users. Understanding these benefits can help cardholders make the most of their financial tool. Here’s a breakdown of the key advantages:

Introductory APR Offer

The card typically features a 0% introductory APR on balance transfers for a specified period, making it ideal for consolidating and paying down high-interest debt. Many versions of the card also offer a 0% introductory APR on purchases, which can be beneficial for large expenditures.

Cash Back Rewards

Earn cash back on every purchase made with the card. This feature adds a layer of reward to your regular spending. Some variations of the card may offer higher cash back percentages in specific categories or at certain times of the year.

Flexible Payment Options

Discover offers flexibility in payment due dates, which can be a significant advantage for managing monthly finances.

Security Features

The card includes robust security measures such as free Social Security number alerts and a freeze option to prevent unauthorized new purchases, cash advances, and balance transfers.

Free Credit Score Access

Cardholders have free access to their FICO Credit Score, a valuable tool for monitoring and understanding credit health.

U.S.-Based Customer Service

Discover is known for its excellent customer service, providing support and assistance whenever needed.

User-Friendly Mobile App

Manage your account on the go with Discover’s mobile app, which allows for easy tracking of purchases, payments, and rewards.

No Foreign Transaction Fees:

This benefit makes the card an excellent companion for international travel or purchases.

Automatic Account Alerts

Set up custom alerts to monitor account activity, remind you of payments, and keep you informed about your credit card usage.

The Discover It Balance Card is particularly attractive for those looking to transfer balances and manage their debts more effectively, while also enjoying the perks of a rewards credit card.

Who Can Apply for the Credit Card

Before applying, ensure you meet the basic eligibility criteria such as being over the age of 18, having a valid Social Security Number, and possessing a good credit history. Additionally, gather the following necessary information:

  • Prepare personal information including your name, address, Social Security Number, and employment details.
  • Financial data like your annual income and monthly housing expenses will also be required.

Does the card have a free annual fee?

No. The Discover It Balance Card comes with no annual fee, reducing the overall cost of maintaining the credit card.

Does Discover It Balance have an app?

Yes, Discover It Balance cardholders have access to a dedicated mobile app, which is a significant component of the card’s overall user experience. The app is designed to provide convenience and control over your financial management.

Is available for both iOS and Android devices, ensuring broad accessibility for cardholders with different smartphones. Here are the key features and benefits of the Discover mobile app:

  1. Account Management
    • Real-Time Access: View your balance, check recent transactions, and monitor your account activity in real time.
    • Make Payments: Securely pay your credit card bill directly from the app.
    • View Statements: Access your card statements and manage account documents.
  2. Rewards Tracking and Redemption:
    • Easily track and redeem your cash back rewards. The app allows you to see how much you’ve earned and how you can use these rewards.
  3. Security Features:
    • Freeze Card: If your card is lost or misplaced, you can immediately freeze it to prevent new purchases.
    • Alerts and Notifications: Set up custom alerts for account activity, payment reminders, and potential fraud notifications.
  4. Credit Monitoring:
    • Access your FICO Credit Score for free, an essential feature for those focused on building or maintaining their credit score.
  5. Customer Support:
    • Directly contact customer service through the app for quick assistance with any card-related inquiries or issues.
  6. Customizable Interface:
    • Personalize your app experience with custom settings and preferences, tailoring the app to your specific needs and usage patterns.
  7. Ease of Use:
    • The app boasts a user-friendly interface, making it easy for users of all tech-savviness levels to navigate and manage their accounts.

The Discover mobile app is an invaluable tool for Discover It Balance cardholders, providing a comprehensive and secure platform for managing their credit card. It combines convenience, security, and financial control, enhancing the overall card ownership experience.

What are the fees and interest on the Discover It Balance card?

The fees and interest associated with the Discover It Balance card can vary depending on your specific situation and creditworthiness. Here’s a breakdown:


  • Foreign Transaction Fee: 3% of each transaction made outside the US.
  • Balance Transfer Fee: 3% of the amount transferred (minimum $5). This applies to transfers made within the first 6 months of opening the account.
  • Cash Advance Fee: 5% of each advance (minimum $5).
  • Late Payment Fee: Up to $40.
  • Returned Payment Fee: Up to $40.


  • Variable APR: 14.99% – 25.99% based on your creditworthiness. The Discover website provides a personalized APR range based on your credit score. You’ll receive the lowest rate available for your creditworthiness tier.
  • Grace Period: There is no grace period on purchases or balance transfers. Interest will accrue from the date the transaction is posted to your account.
  • Minimum Interest Charge: $0.50.

Additional Points

  • The APR for cash advances is higher than for purchases and balance transfers, currently at 25.99%.
  • Late payments and returned payments can result in additional fees and a penalty APR.
  • It’s crucial to pay your balance in full each month to avoid accruing interest.

How to unlock the card?

Unfortunately, the Discover It Balance card doesn’t have a “lock” feature in the traditional sense. It’s not like a debit card or phone where you can temporarily disable it. However, depending on your situation, there might be a few ways to achieve a similar effect:

1. Report the card lost or stolen: If you suspect your card is lost or stolen, immediately report it to Discover by calling 1-800-DISCOVER (1-800-347-2683). This will deactivate the card instantly, preventing unauthorized use. Discover will then issue you a new card.

2. Freeze your credit: If you’re concerned about unauthorized activity on your account but haven’t lost the card, you can freeze your credit with the three major credit bureaus (Equifax, Experian, and TransUnion). This will prevent lenders from accessing your credit report, making it much harder for someone to open new accounts in your name using your card information.

3. Turn off online and contactless payments: Discover allows you to manage your card settings through their online portal or mobile app. You can disable online and contactless transactions, which can help prevent unauthorized use even if you still have the physical card.

4. Decrease your credit limit: You can contact Discover and request a temporary or permanent decrease in your credit limit. This will limit the potential damage if your card is compromised and can give you peace of mind.

Remember, it’s important to act quickly if you suspect any unauthorized activity on your account. Contact Discover immediately to report the issue and take necessary steps to protect yourself.

How do I request a duplicate of the card?

Requesting a duplicate Discover it Student card is a straightforward process with a few options available:

1. Online:

  • Log in to your Discover account through the Discover website or mobile app.
  • Navigate to the “Manage My Card” section.
  • Look for the option to “Request a replacement card.”
  • Follow the prompts and choose your preferred shipping method (standard or expedited).
  • Once approved, your new card will be mailed to the address associated with your account.

2. Phone:

  • Contact Discover customer service at 1-800-DISCOVER (1-800-347-2683).
  • Explain that you need a replacement card.
  • The customer service representative will verify your information and initiate the request.
  • You can choose your preferred shipping method (standard or expedited) during the call.

3. Secure Message Center:

  • Log in to your Discover account online.
  • Click on the “Secure Message Center” tab.
  • Compose a new message requesting a replacement card.
  • Briefly explain why you need a new card.
  • Discover will reply to your message within a few business days with instructions on how to proceed.

Additional Tips:

  • There is no fee for requesting a replacement Discover it Student card.
  • Standard shipping typically takes 5-7 business days, while expedited shipping can arrive in 1-2 business days.
  • Discover will automatically deactivate your old card once your new card is activated.
  • If you’re unsure which option to choose, contacting customer service is a good way to get personalized guidance.

I hope this information helps! Let me know if you have any other questions.

How do I contact you about the Discover It Balance card?

Whether you’re a seasoned Discover It Balance cardholder or just starting out, questions and concerns can arise. Don’t worry, reaching Discover is easy! Here are the various ways you can contact them and get the support you need:


  • Customer Service: 1-800-DISCOVER (1-800-347-2683) – Available 24/7
  • Balance Transfer Specialists: 1-866-358-9334 – Monday-Friday, 8:00 AM – 8:00 PM CT


  • Secure Message Center: Log in to your Discover account and send a message.
  • Twitter: @Discover_Cards
  • Facebook: @DiscoverCard


  • Discover Financial Services
  • P.O. Box 4044
  • Riverwoods, IL 60035-4044
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