Discover vs USAA
USAA BALANCE-TRANSFER pays 10.40% APR; Discover BALANCE-TRANSFER pays 17.49%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
Discover
17.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
Open with Discover →Option B
USAA
10.40%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Get a 0% intro APR for 18 months on balance transfers and 0% intro APR on purchases for 6 months; balance transfer fee applies. Then 17.49% to 26.49% Standard Variable APR applies, based on credit wor
Open with USAA →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 9/6/2026.