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Discover Motiva Credit Card

Discover® Motiva℠ Card

- 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 retailers when you shop through Discover.com
- Ranked #1 in customer loyalty -- 16 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S. based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alerts
- 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

(5.0 out of 5.0)

Information - Rates - Fees

Intro APR:

0%*

Applied Towards:

Purchases
Balance Transfer

Intro Period:

15 months*

APR:

10.99% - 20.99%*

APR Type:

variable

Annual Fee:

$0.00*

Issuer:

Discover Bank

Card Network:

Discover®

Card Category:

Consumer (Regular)

Card Type:

Low Interest Credit Card
Reward Card

Credit Needed:

Good*

Grace Period:

25 days*

Min Finance Charge:

$0.50

Late Payment Fee:

$39.00*

Over Limit Fee:

$39.00

Balance Transfers

Balance Transfer:

Yes!

Transfer Fee (%):

3.00%

Transfer Period:

12 months*

Cash Advances

APR on Cash Advances (%):

23.99%

Cash Advance Fee (%):

3.00%

Minimum Fee:

$5.00

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.

Review

The Discover Motiva credit card is a low interest card for individuals having good or excellent credit. A long term introductory APR offer on balance transfers is made available to those card members who qualify based on credit worthiness. Members are allowed to choose their own payment due date with no fees charged for paying on the exact date by phone or online.

Purchases at over 100 partner retailers and merchants earn cash back - those at ShopDiscover may earn up to 20%. Cash earned do not expire and there's no yearly limit.

Card members avail of benefits including online account management, complete fraud protection guarantee, fraud warning, zero fraud liability, email reminders against late payment.

Features

Most attractive:

- Low APR on purchases for those who qualify
- Long term introductory rate
- Long term low rate for balance transfers
- No annual fee
- Pay-in-time bonus rewards

Rewards & Benefits

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

Online Access: