The Discover it® Stability Transfer card gives an extended, 18-month window of zero% intro APR on balance transfers and 6 months curiosity-free payments on new purchases (then ongoing thirteen.49% - 24.49% Variable APR). In that case, a deposit you already have at the monetary institution is the collateral, and that cash is frozen till the mortgage is repaid (or it may be incrementally thawed, because the loan is repaid).