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6 days ago · WalletHub's Take: The Discover it® Balance Transfer card is an elite 0% interest credit card for people with good credit or better. vintage thank you cards It offers introductory APRs of 0% for 18 months on balance transfers and 0% for 6 months on new purchases, followed by a regular APR of 17. vintage thank you cards 24% - 28 24% Variable, depending on creditworthiness