Update 11/3/24: Available again.
Update 4/6/24: Available again.
Update 4/28/23: Available again.
Update 12/5/22: Being offered again. Hat tip to HarryTheFirstHarry
Update 9/9/21: Being offered again.
Update 1/25/21: People being targeted for 0% APR again, can check by using the chat feature.
Periodically Discover offers some cardholders additionally offers when asked, for example:
- Check with Discover if You’re Eligible for 2% or 3% Spend Bonus for 6-12 Months (2019)
- Ask Discover For An Offer, Receive An Offer (3% Cash Back On All Purchases Or 0% APR) (2017)
- Ask Discover For An Offer, Receive An Offer (2% Cash Back On All Purchases, 7% On Rotating Categories, $10 Bonuses & 0% APR) (2015)
Currently Discover is offering some cardholder 0% APR for 12 months. To see if you’re eligible you need to chat with a Discover representative.
Hat tip to reader Matthew
Got the offer through the Message an Agent option in the Help Center online. Used
AG’s message except I specified “purchase APR offers” instead of just “APR offers” (probably didn’t make a difference).
Spent maybe 30 bucks entire year on discover, and received the 0% APR offer.
Here’s the text in case you also chat.
Fantastic! Here are those terms again- The promotional rate of 0.00% will apply to new purchases made during the promotional period between transaction start date <> through transaction end date <>. After rate expiration date <>/2026, your standard purchases APR, currently 19.49% will apply to any remaining balance. This APR will vary with the market based on the Prime Rate. Please note that purchases that post to your account after the promotional period will be subject to your standard purchases APR. You will receive a written confirmation of this offer.
Got my 0% APR for 12 months via customer support chat
Used the in app Help Center “Message Us” and received a 12 month purchase APR.
Got 0% APR for one year after clarifying that I was requesting a zero APR for 12 months.
Just sent a msg on chat via the app “I wanted to know if I have any APR offers on my account”. Got 0% APR for one year.
Received 0% offer, but balance transfer fee is 4%.
Chatted with a rep and asked if there were any APR offers on my account. I was offered 0% APR for 12 months.
Got approved for 0% apr for 1 year
Funny, I was just thinking about these offers. With the C1 merger, I really hope that this doesn’t go away. I’ve had 0% w Discover for the past 3+ yrs. C1 is notoriously stingy, though.