Imagine seeing the box you've been waiting for, sitting in today's mail. You slide it out from the stack. Slender and elegant, you slide the inner package from its holster. An orange tab peeks out beneath bold, black text that bids you "welcome." Pulling the tab reveals a rounded rectangle that evokes brushed metal. It feels cool in your hand, and even a little heavier than similar products that share its shape. You can't wait to slide it into your pocket and take it on the road with you.
This isn't the kind of "unboxing" experience you normally see in videos featuring Apple products. Instead of a new iPhone, you're looking at the Discover it - 18 Month Balance Transfer Card. With its newest cash back credit card, Discover hopes to redefine the market it practically invented a few decades back. From the moment you get one of these cards in the mail, you know you're in for a very different experience.
"We're committed to offering our cardmembers an experience unlike anything out there today," says Discover spokeswoman Laura Gingiss. It starts with the unwrapping. This welcome kit explains even more elements that make this card extraordinary:
- A dedicated team of customer service agents, based exclusively in the United States.
- A commitment to make it easy to pay your bill online or over the phone, and not to charge a fee after your first missed payment or hike your APR if you mistakenly pay late. (See terms and conditions of offer for rates, rewards and other information.)
- A pledge to lower your rate, lower your payment or find another way to help you if you experience a job loss.
In addition, this no-annual-fee card earns you 1 percent cash back on your everyday purchases. You can sign up for free quarterly promotions to earn 5 percent on up to $1,500 in purchases in categories that change throughout the year like online shopping and more. Plus, shop online through ShopDiscover to earn up to 20 percent cash back. A "Cashback Concierge" will even talk to you on the phone, coaching you to the highest possible rewards.
The Discover it - 18 Month Balance Transfer Card earns Deal of the Month status for an introductory offer that features a zero percent APR on your purchases for 6 months and balance transfers for 18 months, with no annual fee and just a 3 percent balance transfer fee. With no fees for exceeding your limit or for making foreign transactions, you can take this cash back card on the road, knowing you're saving money.