Credit Card
Discover® Motiva(SM) Card
- Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
- 5% to 20% Cashback Bonus when you shop online
- Up to 1% Cashback Bonus on all other purchases
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners Free payment by phone
- Automatic email reminders when a Payment Due Date is nearing or when a payment has been made
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| Intro APR: | 3.99%* |
| Intro Period: | See T&C. |
| APR: | 11.99% (variable)* |
| Annual Fee: | $0.00* |
| Issuer: | Discover Bank Credit Cards |
| Card Network: | Discover® Credit Cards |
| Card Category: | Consumer (Regular) |
| Card Type: | - Low Interest Card - Reward Card |
| Credit Needed: | Good* |
Discover Motiva Card is designed for individuals having good or excellent credit. Whilst applicants from both sides are accepted, those with excellent credit are most likely to gain lower interest and benefit from the intro period.
Some card members are entitled to a long term introductory APR period applied towards balance transfers. Purchase interest is reasonably low. Cash advances are subject to a 3% cash advance fee.
Card members are entitled to internet related services including an online account management feature. Card members are allowed to choose their own payment due date is set by the card member. For those members who pay on time through a 6 month period, the card account is topped up with a bonus fee. Email reminders are delivered to members' email to help reduce the likelihood of forgetting to pay up.
A cash back program allows card members earn up to 20% cash back per purchase. Though the average purchase earns 1%, card members who purchase products from ShopDiscover may receive higher cash back. Card members are not restricted to a certain number of rebates per billing cycle. There's also no expiration date on cash back earned.
Various options to redeem cash back exist. A short-list of options are cash, merchandise, gift cards, and travel credit. Card members may also apply rebates earned for discount purchasing with over 100 participating merchants and retailers.
Card members are entitled to fraud specialist services round the clock. With a complete fraud protection guarantee in place, card members receive early warnings on potential fraudulent transactions. In event such transactions take place, the card member still acquires no liability. Online purchases are made more secure with instant account numbers used to disguise the actual credit card number thus making it more difficult for identity thieves to gain total control of the card account.
The Discover Motiva Card is yet another consumer premium card helping those card members purchase items to meet their daily, monthly and yearly targets. It's a very good deal for every consumer looking to pay on time and earn cash with each purchase.
Read card agreement before applying.
| Reward Type: | - Cash Back Rewards Credit Cards |
| Reward Unit: | Cash |
| Rewards: | - 5% to 20% Cashback Bonus when you shop online - Up to 1% Cashback Bonus on all other purchases |
| Expiration: | None |
| Yearly Limit: | None |
| Other Benefits: | - Internet account related services - Free payment by phone or online - $0 fraud liability guarantee - Auto rental insurance - Up to $500,000 in travel accident insurance - Discounts on products and services at participating merchants and retailers |
| Comments: | *The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 11.99% - 18.99%. See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button, you can review the credit card terms and conditions on Discover's website. |
| Online Account Access: | Yes |
| Introductory APR: | 3.99%* |
| Applied Towards: | Purchases, Balance Transfer |
| Introductory Period: | See T&C.* |
| APR on Purchases: | 11.99% (variable)* |
| Annual Fee: | $0.00* |
| Grace Period: | 25 days* |
| Min Finance Charge: | $0.50 |
| Late Payment Fee: | $39.00* |
| Over Limit Fee: | $39.00 |
| Balance Transfer: | Yes |
| Transfer Fee (%): | 3.00% |
| Transfer Period: | 12 months* |
| APR Cash Advances: | 23.99% |
| Cash Advance Fee: | 3.00% |
| Minimum Fee: | $5.00 |
| Apply Now |
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† The information provided for Discover Motiva(SM) Card is believed to be accurate at the time of evaluation (Nov 27, 2009). We strongly advise visitors to review the terms and conditions provided to verify accuracy of the information posted prior to applying for the product.
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