Discover® Motiva(SM) Card
Quick Card Summary
- Up to 20% Cashback Bonus® at Top Online Retailers*
- Earn double rewards when redeeming for gift certificates at select retailers
- Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
| Intro APR | Intro Applied To | Intro Period | Annual Fee | Rewards |
|---|---|---|---|---|
| 0% | Purchases | 15 mo. | $0 | Yes |
| Balance Transfers |
Creditnet's Full Review
The Discover® Motiva(SM) Card, issued by Discover, is rewards cardholders with many ways to earn cash back. Yes, like all other cash back credit cards, you'll receive a percentage rebate for your card purchases, but the Discover® Motiva(SM) Card also rewards you with a statement credit when you make on-time payments!
Maximize the Cashback Bonus® you can receive through the Discover® Motiva(SM) Card by shopping at top retailers through Discover's exclusive online shopping site. By doing so, you can earn between 5% to 20% in rebates! On all other purchases, your rebate can be as high as 1%. Don't worry about reaching any type of yearly limit on your rebates because there isn't one, and your rebates won't expire as long as your account remains active within a 36-month period.
The Discover® Motiva(SM) Card also offers cardholders a pay-on-time bonus. Make six on-time payments in a row and you'll receive a credit towards your next month's interest! You're eligible for this bonus twice a year.
Cardholders also save money just by carrying the Discover® Motiva(SM) Card because you'll pay no annual fee for all the cash back you receive! The Discover® Motiva(SM) Card also carries a 0% introductory rate on purchases and balance transfers for 15 months. Ongoing/standard APRs are reasonably low as well.
The Discover® Motiva(SM) Card is considered a platinum-level card, so you will receive platinum-level benefits as a cardholder, such as auto rental insurance, various fraud and security protection services, up to $500,000 in travel accident insurance, and more.
Discover helps you protect your identity by sending you automatic mobile and email fraud alerts. And in the event of fraudulent activity, you're not liable for a single dollar.
Start earning rebates for your purchases and for making payments on time with the Discover® Motiva(SM) Card. Apply today!
Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.
| Intro APR: | 0% | ||
| Intro Period: | 15 mo. | ||
| Ongoing APR: | 10.99% to 20.99% | ||
| Penalty APR: | 15.99% up to 25.99% | ||
| Balance Transfers | Cash Advances | ||
|---|---|---|---|
| Intro APR✝ : | 0% | Intro APR✝ : | n/a |
| Intro Period: | 15 mo. | Intro Period: | n/a |
| Ongoing APR: | 10.99% to 20.99% | Ongoing APR: | 23.99% |
| Penalty APR: | 15.99% up to 25.99% | Penalty APR: | 15.99% up to 25.99% |
| Transfer Fee: | 3% | Advance Fee: | 5% |
| Min. Transfer Fee: | $10.00 | Min. Advance Fee: | $10.00 |
| Max. Transfer Fee: | n/a | Max. Advance Fee: | n/a |
| ✝ Must initiate transfer: | n/a | ||
| Other Rates | Credit Line | Penalty Fees | |||
|---|---|---|---|---|---|
| Foreign Transaction Fee: |
2% | Min: | n/a | Late Payment: | $19-$39 |
| Min. Interest Charge: | $0.50 | Max: | n/a | Over the Credit Limit: | $15-$39 |
| Returned Payment | $0.00 | ||||
