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Discover it Card promotional 0% Apr for 12 months for current members. - $0.00

+92 Deal Score
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Hello All, I recently just noticed my credit card apr went from 11.99 % to 16.74 % gradually over the course of a year. I contacted discover via chat to ask why, ( I obviously know why) but I wanted to see what they would say and if there was any promotions they can offer. 2 years ago I caught this promotion 0% apr for 12 months. I didn't think they would be able to do this again, but they did. this is actually pretty good in my eyes. This is something that you have to chat with them and ask for. I have the basic discover it card and have been with them since 2018 and use this as my main card. Thought it would be good to share. Thanks for reading.

https://www.discover.com/credit-c...dit-cards/
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Discover it Card promotional 0% Apr for 12 months for current members. - $0.00
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Created 03-29-2023 at 07:10 PM by Jmartinez734
in Credit Cards (4) Discover.com
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Joined Feb 2006
L10: Grand Master
> bubble2 19,691 Posts
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tenderidol
03-30-2023 at 08:29 AM.
03-30-2023 at 08:29 AM.
Buy whatever you want, pay only the minimum but don't incur any interest as long as the balance is at $0 12 months from now. Is this how it works? Never done one of these before.
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Joined May 2016
L5: Journeyman
> bubble2 695 Posts
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sunnny45678
03-30-2023 at 08:30 AM.
03-30-2023 at 08:30 AM.
They just honored my request for 0 perce t apr until end of may 2024
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Joined Sep 2008
L10: Grand Master
> bubble2 7,542 Posts
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DogAndPony
03-30-2023 at 08:36 AM.
03-30-2023 at 08:36 AM.
I used to do this all the time, but Discover stopped offering it to me. Probably because I would run up a tab of $50k or more over a year and then pay it off and not pay a penny in interest. Discover hates this one simple trick.
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Joined Mar 2013
L3: Novice
> bubble2 112 Posts
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Original Poster
Jmartinez734
03-30-2023 at 08:37 AM.
03-30-2023 at 08:37 AM.
Quote from tenderidol :
Buy whatever you want, pay only the minimum but don't incur any interest as long as the balance is at $0 12 months from now. Is this how it works? Never done one of these before.

Correct for new purchases only after activation for 12 months this is my second time receiving this promotion first time was late 2020.
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Joined Mar 2013
L3: Novice
> bubble2 112 Posts
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Original Poster
Jmartinez734
03-30-2023 at 08:39 AM.
03-30-2023 at 08:39 AM.
Quote from SharpDesk104 :
Does this trigger credit check again, if I already have credit card?

100% no
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Joined Feb 2006
L10: Grand Master
> bubble2 19,691 Posts
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tenderidol
03-30-2023 at 08:44 AM.
03-30-2023 at 08:44 AM.
Quote from Jmartinez734 :
Correct for new purchases only after activation for 12 months this is my second time receiving this promotion first time was late 2020.
Yup... after the activation date of the promo. Thanks

I don't use this card, so I'm not sure if they'll add the promo or not, but I might just put one big purchase on it and spread out the payment over 12 months and invest the money that was going to pay it full for a year.
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Joined Jan 2012
L1: Learner
> bubble2 4 Posts
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Norlander
03-30-2023 at 08:58 AM.
03-30-2023 at 08:58 AM.
Thanks OP. I was able to get 0% APR for 12 months on new purchases for existing card as well.
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Joined Aug 2009
L6: Expert
> bubble2 1,230 Posts
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crimsonroses
03-30-2023 at 09:03 AM.
03-30-2023 at 09:03 AM.
Is this a better card than the regular discover card before they required to upgrade? I didn't upgrade to the it card but I asked them to and it never happened.
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Joined Sep 2006
L6: Expert
> bubble2 1,738 Posts
134 Reputation
gapaf
03-30-2023 at 09:22 AM.
03-30-2023 at 09:22 AM.
Quote from YetiAtomic :
Thanks OP. I was able to get 0% APR for 12 months on new purchases for existing card as well.
Thanks op was able to get 0 percent on new purchase
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Joined Oct 2008
Dealiker
> bubble2 363 Posts
117 Reputation
negma
03-30-2023 at 09:22 AM.
03-30-2023 at 09:22 AM.
Worked great.. all it it took was less than 5 minutes of phone chat..this is the 4th or 5th time in the last several years I was able to get it.. Thanks OP!
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Joined Oct 2012
L3: Novice
> bubble2 162 Posts
34 Reputation
RyanC8528
03-30-2023 at 09:23 AM.
03-30-2023 at 09:23 AM.
Thanks. I normally don't care about this but now it actually makes a lot of sense when you can get 5%+ on CDs.
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Joined Oct 2012
L3: Novice
> bubble2 162 Posts
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RyanC8528
03-30-2023 at 09:32 AM.
03-30-2023 at 09:32 AM.
Quote from Superorb :
Let the 0% credit card arbitrage begin! Has been a long time since this was worth doing again.
Agree. What are some other cards we can ask to get 0 APR ?
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Joined May 2015
L4: Apprentice
> bubble2 469 Posts
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Pro
starlights_
03-30-2023 at 09:44 AM.
03-30-2023 at 09:44 AM.
Zero percent balance transfer for 12+ months in itself is not a deal if there is a fee (3-5%)
Zero percent on purchases may be good for people who want to make big ticket purchases and will pay back in time.
Zero percent balance transfer with no fee would be a great deal to dump money in high interest paying account.
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Joined Jan 2007
L3: Novice
> bubble2 104 Posts
22 Reputation
hwangbible
03-30-2023 at 09:51 AM.
03-30-2023 at 09:51 AM.
Quote from GoodVibrations :
I know what you're talking about, but that doesn't apply to this kind of an offer. You're thinking of how they handle balance transfers. The way Discover handles payments is they first apply to your minimum payment, then anything over that applies to your largest balance first. So if you carry a large balance transfer balance and make new purchases, it is impossible to pay off those new purchases without paying off the entire balance. So yes if you use this card for a BT, essentially you have to quit using it until you pay off the BT offer if you don't want to pay interest.

This offer is different though. This gives you 0% on all purchases within the offer period. It's not a BT offer.
Might be just a bad wording here and we are on the same page anyways. It's not the largest chunk of balance but the chunk of the balance with the highest APR applied.
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Joined Aug 2013
L2: Beginner
> bubble2 109 Posts
374 Reputation
iroh
03-30-2023 at 09:51 AM.
03-30-2023 at 09:51 AM.
Quote from RyanC8528 :
Thanks. I normally don't care about this but now it actually makes a lot of sense when you can get 5%+ on CDs.

AFAIK There's a 5% fees for the transfer. So a 12 month transfer is more or less equivalent to a loan at 5% rate.
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