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Can I Apply for the
Discover More Balance Transfer Card
If I Don't Have a Balance to Transfer?
Posted by Tasha Lockyer
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.
You can also read up on our Cash Back cards and Travel Rewards cards if those are more up your alley. The important thing is that you are picking the right credit card for your situation.
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