Discover it Cash Back 0% APR & payoff plan.
A 15-month 0% APR on purchases and balance transfers, with no annual fee. Discover cards are now issued by Capital One.
Terms last verified Oct 6, 2026 from the issuer page. Always confirm current terms with the issuer before applying.
- 0% on purchases
- 15 months
- 0% on transfers
- 15 months
- Balance transfer fee
- 3% intro, then 5%
- Regular APR
- 17.74% to 26.74% variable
- Annual fee
- $0
- Issuer
- Discover
- Category
- Cash Back
Promo APR details
Both 0% windows run 15 months from account opening, so a transfer made late gets only what is left. Transfers that post in those 15 months cost 3%; transfers at a promo rate offered later cost 5%.
Payoff strategy
Divide the promo balance by 15. Pay at least that every month. Cardinate recomputes the number as the balance moves so you land at zero before month 16.
When this card makes sense
The Discover it Cash Back is most useful when the offer matches the job. If you are paying down existing debt, the 15 months 0% balance transfer window is the lever. If you are financing a planned purchase, lean on the 15 months 0% purchase window. After the promo ends, the 17.74% to 26.74% variable regular APR is expensive, so the only winning move is finishing the payoff before the snap-back date.
Calculations are estimates for educational purposes only and do not constitute financial advice. Actual payoff timelines, interest charges, and credit outcomes may vary.