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Card Discover® Motiva(SM) Card Apply Online
*Terms and Conditions

Discover® Motiva(SM) Card
Issued by: Discover
Card Category: Reward - Cash
Introductory Rate: 3.9% Intro APR*
Time Period: 10 Months
Annual Fee: $0
APR: 10.99%

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Review - Discover® Motiva(SM) Card
Updated: May 8, 2008
The Discover® Motiva(SM) Card, issued by Discover, is designed for those with very good credit who are look ing to earn cash rewards by paying on time and making purchases.

Through the reward program, cardholders earn a 5% to 20% Cashback Bonus at top retailers through Discover's exclusive online shopping site, and they get up to a 1% Cashback Bonus on all other purchases. The card from Discover - Discover Motiva(SM) Card.

There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period.

Cardholders will also be eligible to earn a pay-on-time bonus. View the specifics of the Discover Motiva(SM) Card, including intro APR, duration, regular APR, reward programs, etc. Each time cardholders make six on-time payments in a row they will receive a credit towards the payment of their next month's interest. Cardholders will be eligible to receive the pay-on-time bonus twice a year, every year when monthly payments are received on time. Discover has a great variety of credit card deals.

The card has no annual fee, an attrac tive 3.9% introductory rate on purchases for six months, and a 3.9% introductory rate on balance transfers for twelve months. The APR for this card is reasonably low for those who qualify.

Aside from the reward program, the card also provides several cardholder benefits, including up to $500,000 in travel acci dent insurance, auto rental insurance, and various fraud and security protection services. Apply for the Discover Motiva(SM) Card today and start enjoying the exclusive benefits.

Therefore, those who plan to spend over $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at partici pating online retailers (to earn additional cash rebates), plan to pay in full each month after the introductory rate expires (to avoid costly finance charges), and pay on time every month will benefit most from what the Discover® Motiva(SM) Card has to offer.

*It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will be applied only to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers.

Most Attractive Feature(s) - Discover® Motiva(SM) Card
No annual fee; low introductory rate; reward program.

Reward - Discover® Motiva(SM) Card

Expiration: None
Yearly Limit: None
Rebate Minimum: .25%
Rebate Maximum: 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.
Rebate Details: Earn a 0.25% rebate for up to $1,500 in general spending; 0.5% for over $1,500 up to $3,000; and 1% for over $3,000. 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.



American Express SimplyCash(SM) Business Card

  • No annual fee;
  • unlimited cash back;
  • 0% introductory rate.


Financial Rewards® Visa® Platinum Plus®

  • No annual fee;
  • reasonable APR on purchases.


US Airways® Visa Signature® Credit Card

  • Bonus miles;
  • double miles through US Airways;
  • low introductory rate;
  • annual $99 companion tickets.
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