Contents
The Offer
Discover card is sending out the following offer via email (from: [email protected]):
- Enroll and get 6 months of .90% APR on purchases from 7/10/25 – 1/9/26. Afterward the regular 19.24% rate applies.
Our Verdict
We often see these types of offers from various banks on balance transfers, but those have 3-4% fees on the initial balance transfer. This offer I got from Discover for purchases so there are no fees involved. I’m not sure how widely this offer was sent out.
Personally I skip offers to hold balances on personal cards since it can tank your credit score. Also, I usually use other cards that earn me more rewards, and so to my mind this offer isn’t ‘free’. Just putting this out there for those who find these interesting.
Regardless, I wouldn’t recommend carrying a balance on a credit card unless you know yourself as organized enough to pay it down before the higher fees start.
