Discover® MotivaSM Card

Cash Rewards for your good credit management!*

Intro APR	Intro APR period	Regular APR	Annual fee	Fee:	Balance transfers	Credit needed	Type of credit card
3.9%	Purchases=6 months; Balance Transfer=12 months	10.99% - 18.99%	$0		Yes	Good Credit	(Personal)

Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners

• Pay-On-Time Bonus® equal to a full month’s interest added to your Cashback Bonus account
• 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
• Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners
• Free payment by phone
• Automatic email reminders when a Payment Due Date is nearing or when a payment has been made
• No Annual Fee
• Online Account Access
• Online Bill Payment
• *View Rates, Fees, Rewards and Other Important Information

Editor's 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 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.

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, an attractive 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 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.