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Home > Credit Card Directory > Discover > Discover® Motiva^SM Card

Discover® Motiva^SM Card

Consumers get a low 3.9% Fixed APR on Balance Transfers until 2010, Pay-On-Time Bonus equal to a full month's interest each time they make 6 on-time payments in a row- twice a year, every year when they pay.

(7 votes)

The first card with cash rewards for good credit management
Automatically get a Pay-On-Time Bonus^SM equal to a full month's interest each time you make 6 on-time payments in a row—twice a year, every year*
5-20% Cashback Bonus* at top retailers through our exclusive online shopping site
Earn up to 1% unlimited Cashback Bonus on all other purchases automatically
More ways to earn cash – than anyone else

Intro Rate	Intro Rate Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
3.9 %*	6 Months*	10.99 %*	None*	Yes*	Good Credit

Discover® Motiva Card– Interest Rates

The Discover Motiva card has a competitive long-term APR of 10.99%, making it one of the more attractive cards for interest rates available. Though it does not offer a 0% introductory rate like some other Discover credit cards, this is offset considerably by the number of ways a cardholder can earn money by using the card.

Discover® Motiva Card – Perks

The Discover Motiva Card is highly unique. In this day and age, we all know that paying your credit card bill on time is crucial for maintaining a good credit rating. With the Discover Motiva Card, you will get an extra bonus for paying your Motiva bill on time. If you pay your bill on time six times in a row, you will get the interest on the card paid back to you. This means that you'll be paid back your interest payments two times every year if you're reponsible paying off the card. This can give cardholders an extra added incentive to pay bills on time. Matched with 5% cash back on select retailers, and 1% cash back for all other purchases, there are a number of ways to make money off this card.