So my Discover card seems to be in a permanent state of offering me endless balance transfers (so long as the economy is fine I guess), and I'd like to make use of it to the best possible extent. I currently have a $696 blance I transfered to it from my Citi card...and have chizzled it down to $360 where the 0% APR expires 2/04/19. I mainly did this because $696 is the exact amount that equates to 29% of my CL on Discover and I wanted it to report activity since I wasn't actively using it. That and I was kinda hoping they would be inclined to increase that credit limit but so far no dice.
Now, I noticed that they allow me to transfer multiple times as the offers are still there in my account...but I'm trying to figure out how it all comes together if you do multiple balance transfers. Does each transfer fall under new terms (aka each one has 12-18 months if that was the offer) or is it combined into the offer already outstanding (aka all listed under the one due 2/04/19)?
I've only done one balance transfer so it's new to me and I wanted to be sure before I tossed more onto it.
Thanks 
@DaveInAZwrote:Also be aware that when you do a BT on Discover you lose the interest free grace period for new purchases - after the first payment due date with a BT new purchases are charged the standard interest rate from the date of posting.
I guess that's the reason they make the attractive balance transfer offers... to trick you into paying interest on purchases.
I use the balance transfer offers, and don't make purchases with the card... which might be why they never give me a good CLI 
OP yes each BT goes to its own terms. You do want to watch how much you transfer into multiple BT. The applied payments on multiple BT may not take the soonest BT to zero first, meaning you could end up with a remainder starting to get regular interest at the end of that specific BT.
The Purchase Interest rate is a concern. Discover typically allows request to get a 12-month 0% Purchases rate promo, but only ever 18-months but if one of the category quarters is really appealing, it enables both BT and purchases for a while.
The Purchase Interest rate is a concern. Discover typically allows request to get a 12-month 0% Purchases rate promo, but only ever 18-months but if one of the category quarters is really appealing, it enables both BT and purchases for a while.
Hah, it's funny that you mention this since they also gave me 12 months of 0% purchase APR instead of the oh-so-wonderful 1.2% APR reduction they were offering, so either way it's 0%. With that said, it does bring up a point on how they apply payments. From my understanding it's to the highest APR...but what if everything is 0%? Do they apply to BT's first? Or purchases? Or split?
Also, thank you for the other replies guys
@Anonymouswrote:Hah, it's funny that you mention this since they also gave me 12 months of 0% purchase APR instead of the oh-so-wonderful 1.2% APR reduction they were offering, so either way it's 0%. With that said, it does bring up a point on how they apply payments. From my understanding it's to the highest APR...but what if everything is 0%? Do they apply to BT's first? Or purchases? Or split?
Also, thank you for the other replies guys
When you select Balances Transfers from the Manage Menu Discover discloses the terms of your BT offer. My offer, for either 0% for 12 months 0% interest w/3% Fee, or 18 months 4.99% interest w/0% fee says:
Information on Balance Transfer and Interest on Purchases
If you take advantage of a balance transfer offer, you will be charged interest on purchases. To avoid interest on purchases after you transfer a balance, you must repay all balances on your account, including any of the balances you transfer under an offer, by the first payment due date.
Your BT offer may have different terms, but if it is the same as mine then after the first payment due date and you didn't pay the balance in full, any purchases you make will be charged your card's standard APR from date of posting, so not everything will be 0%.
With the current 5% rewards category for gas and next quarter's 5% on groceries I'll be using my Discover card regularly, so no BTs for me. July thru Dec. when the 5% is resturants and then Amazon/wholesale clubs I'll take a look at BTs.
By that do you mean disregarding the 0% APR the regular APR is higher? For sure it is. But the 12 months of 0% purchase APR I have alongside the 12 months of 0% APR on that balance transfer effectively makes it 0% APR on both terms for 12 months assuming I don't transfer another balance. I actually started this last month so I can see that the purchases I made while the balance transfer is active do have 0% APR applied to them. So, esentially no harm no foul until it expires. In fact my statement shows this, but the way they apply payments across things is somewhat confusing. This is why I asked about adding an additional balance transfer to the list
@Anonymouswrote:By that do you mean disregarding the 0% APR the regular APR is higher? For sure it is. But the 12 months of 0% purchase APR I have alongside the 12 months of 0% APR on that balance transfer effectively makes it 0% APR on both terms for 12 months assuming I don't transfer another balance. I actually started this last month so I can see that the purchases I made while the balance transfer is active do have 0% APR applied to them. So, esentially no harm no foul until it expires. In fact my statement shows this, but the way they apply payments across things is somewhat confusing. This is why I asked about adding an additional balance transfer to the list
Ah, got it! I missed that you're in still in your first year of a new Discover card and have 0% APR on purchases. You're good then. Since both purchases and BT are 0% APR they should split your payments between the BT & purchase balance.