Discover® Motiva(SM) Card

Please review the credit card offer information below and click on "Apply Now" to learn more or apply for the Discover® Motiva(SM) Card by filling out a secure online application.

Cash Rewards for your good credit management!*
Get a Pay-On-Time Bonus(SM) equal to a full month's interest every time you make 6 on-time payments in a row -twice a year, every year
5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus® on all other purchases
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed	Overall Rating
3.9%	Up to 12 Mons.	10.99%	None	Yes	Excellent Credit

Discover® Motiva(SM) Card Review

The Discover® Motiva(SM) Card, issued by Discover, is designed for those with very good credit who are looking to earn cash rewards by paying on time and making purchases.

Through the reward program, cardholders who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate. Cardholders will also earn .25% for purchases made at select warehouse clubs and discount stores.

As an added bonus, cardholders are eligible to earn a 5%-20% Cashback Bonus® at participating online retailers through Discover's exclusive online shopping site. 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. 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.

The card has no annual fee and an attractive 3.9% introductory rate on purchases for ten months and a 3.9% rate on balance transfers until the last day of the billing period ending during January 2010. 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 accident insurance, auto rental insurance, and various fraud and security protection services.

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 participating 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 only be applied 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.

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