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Credit Card Directory |
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Discover® Motiva(SM) Card |
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Issued by Discover
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View other Reward - Cash cards
View other cards issued by Discover
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*See Membership Area for complete approval requirements.
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You know the saying, “If I had a nickel from every time that so and so happened, I’d be rich.” Well, wouldn’t it be neat if you really did get money every time something mundane happened to you? With the Discover ® Motiva(SM) Card, you won’t get a nickel, you’ll get cold hard cash every time you make a payment on time. That’s because Discover ® pays the amount equal to a full month’s interest each time you make six on-time Discover card payments in a row – twice a year, every year, when you pay on time every month. Plus, Discover ® makes it easy by cardholders are given flexible payment options, such as the ability to choose a payment due date that meets their needs, and free payments by phone or online, including on your payment due date.
If time management is the key to success, then use your Discover card to open the door. And for those who aren’t so punctual, this is a great time to start, because after all, time is money. Motivate yourself. Apply for Discover ®Motiva(SM) Card today. Time is of the essence.
A Cash Back Rewards Credit Card
Cash back and rewards credit cards are supposed to give you money, not take your money. Discover ® know this. That’s why card carrying members of the Discover ® Motiva(SM) Card are exempt for life from paying yearly membership dues, and on top of that, members are free to earn as many cash rewards as they please. But the cash back rewards aren’t what make this Discover card special, what makes the Discover ® Motiva(SM) Card one of the best cash back and rewards credit cards in the market is the power it gives its members…the power to choose how they get rewarded.
The Discover ® Motiva(SM) Card earns members up to* 1% cash back on all purchases. Members are given the chance to double their rewards when they redeem them for gift cards from a select group of Discover partners. Retailers like Bed Bath & Beyond, Borders, The Gap, and FTD.com are among the select retailers. Or, instead of redeeming rewards for gift cards, members can choose to get cash in the form of an account credit or an electronic deposit to a bank account.
More About this Discover Card Account
Your Discover card account will come with a six-month promotion that will set your purchase APR to an incredible 3.99%, and will be reasonable (if you qualify) at the close of the introductory period; for balance transfers, you get to enjoy the same interest rate, but the time to enjoy it in is doubled to 12 months.
Your Discover card account is issued with the following built-in benefits: a $0 fraud liability guarantee, timely e-mail reminders to help you keep on top of your Discover card payments, advanced fraud early warning alerts, and a 24/7 fraud hotline.
And to help keep your Discover card account up-to-date and organized, Discover supplies you with easy, free, and secure online account management tools, and even issues you a secure online account number so that you may shop online safely and hassle-free.
Is the Discover ® Motiva(SM) Card Right for You?
Those looking to more bang for their bucks will do well by the the Discover ® Motiva(SM) Card, especially cardholders who plan to spend over $3,000 a year on their cards, to take full advantage of the cashback rewards program and who plan to pay in full each month after the introductory rate expires (to avoid costly finance charges).
*Cardholders receive Cashback Bonuses® of 0.25% on purchases made as part of the first $1,500 annually, 0.50% on the second $1,500 in purchases annually and 1.0% on purchases exceeding $3,000 annually. This does not apply to promotional offers or the 5% Cashback Bonus® award.
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| Updated: April-01-09 |
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| Most Attractive Feature(s): No annual fee; low introductory rate; reward program. |
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| Least Attractive Feature(s): Higher APR for less qualifying applicants. |
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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. |
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| Note: The review of this card was updated on April-01-09. The review is believed
to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully
read the Terms and Conditions statement that accompanies the credit card application. |
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