Discover® Motiva Card

Apply for the Discover Motiva Card by clicking the "Apply Now" button and filling out the secure online application.

Summary Review of the Discover Motiva Credit Card

There's not many circumstances where your creditors will pay you, just for paying your bills on time. However, the Motiva Card by Discover does just that. In addition to the Cashback bonsuses you'll already be earning on your purchases, Motiva will pay you each time you make at least the minimum payment due by the due date for each billing period requiring a payment.

There's also a nice 0% introductory APR on balance transfers and purchases for a full 15 months, and a $0 annual fee.

Rewards

Automatically earn up to a 1% unlimited Cashback Bonus on purchases after your total annual purchases exceed $3,000; while also earning .25% on your first $3000.

Each time you pay at least the minimum payment due by the payment due date for each billing period in which there is a required payment, you may be eligible to earn additional an Cashback Bonus®, which will be an amount equal to 5% of the interest charges shown on your next billing statement.

Earn 5% to 20% Cashback Bonus at over 175 top online retailers through Discover's exclusive Internet shopping mall.

Your rewards have no expiration date, and will remain active as long as your account remains open and you use it within and 18 month period.

Benefits

Get paid just for paying on time and using your credit wisely. A low introductory rate and zero annual fee.

Purchases

You can expect a super-low 0% introductory APR for 15 months from the date the account is opened. Following the intro period the Motiva Discover Card will carry a low ongoing variable APR of 10.99-20.99%, as determined by your creditworthiness and score.

The zero percent introductory APR on purchases is extremely helpful if you're looking to make large purchases because it gives you the ability to purchase an item and pay it off within fifteen months without having to pay any interest on the purchases. Or you could take advantage of the low intro annual percentage rate by using the card for all of your regular purchases such as gas fill-ups, groceries, and other purchases while still taking advantage of its many benefits and rewards.

Balance Transfers

You'll get a perfect zero percent introductory Annual Percentage Rate for fifteen months from date of your first transfer. The way this is set-up is really helpful because it means you don't have to make any transfers right away, and will still be able to take care of the 0% interest on balance transfers for a full 15 months, as long as you initiate the transfers before a certain date, determined by when you apply for the credit card. Just keep in mind there is a fairly standard three percent fee for each transfer.

When your intro APR expires your annual percentage rate will be 10.99-20.99% based on your credit worthiness and score. It's a variable rate that will vary with the market based on the current Prime Rate.

When you transfer balances there will be a 3% balance transfer fee for each transaction, and when you have a balance transfer balance the minimum payment due calculation increases by $40.

Other Rates and Fees

If you default on your agreement by making a late payment you could see your introductory and standard APRs rise to 15.99-25.99%, depending on your creditworthiness and other factors considered by Discover®. You will also be subject to a $35 late payment fee.

Whenever you get a cash advance by borrowing money from your credit limit using a cash machine, or get cash directly from your account using convenience checks, or by some other means, you will be charged either $10 or 5% of the amount of each cash advance, whichever is greater, and a 23.99% cash advance APR on the money borrowed.

There is absolutely no set-up fee and 0 annual fees.

Credit Score

Our research indicates you'll need a higher than average credit score to get approved for the Discover Motiva card. However, we've found some reports of people getting accepted with as low as a 686 score.

Customer Loyalty

You'll have the piece of mind knowing Discover has ranked #1 in customer loyalty by the Brand Keys Customer Loyalty Engagement Index report for fifteen years in a row!

* We make every reasonable effort to provide you with the most accurate offer information available; however, it's still important to review the terms and conditions set-forth on the credit card issuer's website. All credit card information is presented here without warranty of any kind. Click on the "Apply Now" button to review the Discover Motiva Card application page and fill out the online application form.

Helpful Credit Card Resources for Consumers

- FTC consumer information on credit and loans
- FRB's consumers guide to credit cards
- Official Discover Card website