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%	6 months	10.99%	$0		Yes	Good Credit	(Personal)

Sign up for the Discover® MotivaSM Card today and enjoy Cash Rewards for your good credit management!* Also, receive a Pay-On-Time Bonus equal to a full month's interest each time you make 6 on-time payments in a row– twice a year, every year when you pay on-time every month. Earn 5% to 20% Cashback Bonus® at top online retailers through our exclusive online site and up to 1% Cashback Bonus on all other purchases. Plus, pay no annual fee. Apply Now!

• Cash Rewards for your good credit management!*
• Pay-On-Time BonusSM equal to a full month’s interest
• 5% to 20% Cashback Bonus® at top online retailers
• 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 80 Cashback Bonus® Partners
• No annual fee
• Free payment by phone
• *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.