Discover it Balance Transfer

If your main goal is paying off existing credit card balances without paying an annual fee, this card provides a clear path to save money on interest charges. Using a balance transfer card strategically gives you room to tackle your principal balance faster without ongoing interest fees eating into your progress.

Outside of debt consolidation, the ongoing value is modest. Earning a basic 1% cash back on standard purchases means it is not built to compete with dedicated everyday rewards cards. Once your transfers are paid off, you will likely get more value by switching your daily spend to a card with higher reward rates.