Q: Can I apply for the Discover® More Balance Transfer card even if I do not have a balance to transfer?
A: Yes, you can apply for the Discover® More – Balance Transfer card even if you do not plan on transferring a balance. It's a great card, offering a 0% intro APR on balance transfers for 18 months and a 0% intro APR on purchases for 6 months. In addition, cardholders can earn up to 5% cash back on their purchases.
My bigger question would be: if you don't have a balance to transfer why not apply for a card that aligns more with your needs? If you're interested in a lengthy 0% APR on purchases, you should check out the Citi Simplicity® Card which has a 18-month 0% APR on purchases. Or, if you'd like to earn cash back and get a 0% APR on purchases, take a look at the Discover® More card. It features a 15-month 0% purchase APR and up to 5% cash back on purchases.
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