The Discover it Balance Transfer is a personal credit card from Discover it Balance Transfer. Application typically pulls a hard report from Equifax. The annual fee is None. The ongoing APR is 17.24%-28.24% variable after a x % introductory rate for 18 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: Discover will match all the cash back earned at the end of your first year.. Rewards: 5% cash back on rotating categories each quarter (up to the quarterly maximum), 1% on all other purchases.. Cash back: 5% cash back on rotating categories, 1% on all other purchases.. Typical credit limit: Varies by applicant (~$500–$20,000+). This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Discover limits cardholders to a maximum of 2 personal Discover cards open at any time. New Discover applications are typically only approved if your last Discover application was at least 14 days ago. First-year cashback is automatically matched (unique to Discover).. The 0% intro APR applies to balance transfers for the first 18 months.