Discover® Motiva Card
Card Type: Discover
Card Issuer: Discover
Card Category: Reward - Cash
Apply for Platinum BusinessCard with Unlimited Rewards
- Earn Cashback Bonus for your good credit management
- 0% Intro APR on purchases and balance transfers for 15 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.com
- 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 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 rate, fees, rewards, limitations and other important information
- Rating:
- Intro Rate:
- 0% Intro APR*
- APR (Cash):
- 23.99% Variable
- APR (Purch):
- 10.99% - 20.99% (V)*
- Annual Fee:
- $0
Review
The Discover® Motiva Card issued by Discover is a cash rewards card designed for the smart shopper who is looking for a credit card with zero introductory APR and Cashback Bonus® rewards. When you make your payments on time and enjoy shopping, Discover will say "thank you" by rewarding you with a truly unique Cashback Bonus® rewards program. 0% Introductory APR. To start, you will not have to pay any interest on balance transfers for the first 15 months of card membership. You can also make purchases during the 15 month promotional period with 0% introductory APR. Cashback Bonus® for Good Credit Management . Due to your committed payments and smart spending - you can enjoy Cashback Bonus® from Discover. When you pay your balance on time you can enjoy 5% of your interest charges automatically each month that you pay your balance on time. Cashback Bonus® for Spending. Now you will get 1% Cashback Bonus® on all purchases and up to 20% Cashback Bonus® when you shop through the hundreds of popular retailers at ShopDiscover.com. Security. To ensure your safety, Discover offers a fantastic security and protection program. You will have $0 Fraud Liability with mobile and email fraud alert options that will ease your worries. If you have any questions or concerns, you can reach a U.S.-based friendly account manager within 60 seconds of calling. These are services that you can access 24 hours a day, 7 days a week. If you are smart with your spending and want to transfer your existing balances onto a card with zero interest for 15 months, you can make purchases and feel secure. With great rewards, no annual fee, no rewards/redemption fees and no additional card fee - no wonder the Discover® Motiva Card is one of Discover's #1 Ranked loyalty cards - apply now!
Most attractive features: No annual fee; low introductory rate; rewards program.
Least attractive features: Higher APR for less qualifying applicants.
Additional Perks: Various Internet account related services. Fraud and security protection services. No liability for unauthorized transactions. Up to $500,000 in flight insurance. Auto rental insurance. Access to Pay-On-Time Bonus. Access to 5%-20% Cashback Bonus® at top online retailers through Discover's exclusive online shopping site. Flexible payment due dates. See website for additional benefits.
Rates & Fees
Introductory rate: 0% Intro APR*
Applied towards: Purchases, Balance Transfers
Introductory Rate Details: 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%. See terms and conditions for complete details.
Apr(Purchases): 10.99% - 20.99% (V)*
Apr(Cash Advances): 23.99% Variable
Finance Configuration: Average Daily Balance (including new purchases)
Annual Fee: $0
Additional Cardholders: None
Grace Period: 25 Days (Min.)
Minimum Credit Limit: n/a
Maximum Credit Limit: n/a
Late Payment Fee: n/a
Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Balance Transfer Fee: 3% of the amount of each transfer.
Important Notations: 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.
Rewards
First Purchase Bonus: None
Balance Transfer Bonus: None
Annual Bonus: None
Other Bonus: None
Bonus Details None
Reward Type: Rebate
Optional Rewards: No
Minimum Rebate: .25%
Rebate Details: Earn 1% rebate on purchases after your total annual purchases exceed $3,000; purchases that are part of your first $3,000 earn .25%. Cardholders will also earn .25% rebate on purchases made at select warehouse clubs, discount stores and their affiliates. Rewards are redeemable in $20 increments only.
Maximum Rebate: 20%
Additional Rebates: Earn a 0.25% rebate at select warehouse clubs and discount stores. Earn 5%-20% Cashback Bonus® at participating top online retailers through Discover's exclusive online shopping site. Plus, each time you pay at least the Minimum Payment Due for each billing period, you may earn additional Cashback Bonus®.
Miles per Dollar spent: n/app
Mile Reward Details: n/app
Additional Miles: n/app
Points per Dollar spent: n/app
Point Details: n/app