Credit Card Review & Application

Discover Motiva Card


out of 5

- Earn Cashback Bonus for your good credit management
- 0% intro APR on purchases and balance transfers for 14 months, then the variable purchase APR of 10.99% - 20.99%*
- Up to 20% Cashback Bonus at popular online retailers when you shop through Discover site
- Discover is ranked #1 in customer loyalty - 16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability. You're never responsible for unauthorized charges on your Discover card account, plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory APR: 0%*
Introductory Period: 14 months
APR on Purchases: 10.99% - 20.99% (variable)*
Annual Fee: $0*
Card Issuer: Discover Bank
Card Network: Discover®
Card Category: Consumer (Regular)
Card Type: - Low Interest Credit Card
- No Foreign Transaction Fee Credit Card
- Reward Card
Credit Needed: Excellent*

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.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Types: - Cash Back Reward Cards
- Universal Reward Cards
Reward Unit: Cash
Rewards: - Earn Cashback Bonus for your good credit management
- 5% to 20% Cashback Bonus at over 200 top retailers through our online shopping mall
- Up to 1% unlimited 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% - 20.99%.
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: 0%*
Applied Towards: Purchases, Balance Transfer
Introductory Period: 14 months*
APR on Purchases: 10.99% - 20.99% (variable)*
Annual Fee: $0*
Grace Period: 25 days*
Min Finance Charge: $0.50
Late Payment Fee: N/A*
Balance Transfer: Yes
APR Cash Advances: 24.99%

We do not offer online application for this card at the moment.

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† The information provided for Discover® Motiva Card is believed to be accurate at the time of evaluation (Jan 3, 2013). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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