Discover Motiva Card

The Discover® Motiva(SM) Card from Discover and CreditCardAssist.com is an outstanding balance transfer credit card that offers an introductory rate on both purchases and balance transfers, discounts for paying on time, as well as up to 5% cash back on purchases.

Discover® Motiva(SM) Card

Up to 1% unlimited Cashback Bonus on all other purchases
5% to 20% Cashback Bonus® at top online retailers
Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
Cash Rewards for your good credit management!
Pay-On-Time Bonus(SM) equal to a full month’s interest
Unlimited cash rewards
3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers*

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
3.99% on Purchases, Balance Transfers*	Up to 12 Months*	As Low As 11.99%*	No*	Yes*	Very Good Credit*

Editor's Review: The Discover® Motiva(SM) is a credit card that sends rewards your way for making on-time payments and purchases on your card. The card provides an introductory rate of 3.99% for 12 months on balance transfers and 6 months on purchases. The card uses a percentage cash reward system that increases with the amount of purchases you make on the card. The more you spend, the higher the percentage rebate is that you receive back. There are also special rebates for purchases made at a selection of warehouse stores and discount retail locations. With the Discover Motiva card, account holders also get additional bonus rebates for purchases made online at Discover's Exclusive online shopping website where you can receive between 5%-20% in Cashback Bonus rewards.

The rebates and cash back rewards with the Discover Motiva card are unlimited and the rebates you accrue do not expire. Cardholders are eligible to receive twice-a-year bonuses that are directly applied to their credit account just for making on time payments. Each time you make 6 on-time payments on your account in a row, you earn a special bonus that rewards you a month's worth of interest right back on to your account. That equals two full months of interest you are eligible to earn for something you normally do anyway – paying your bill. Cardholders can also redeem their rewards for gift certificates from leading retail partners. Cash redemption can either be credited to your account or applied as an electronic deposit to your bank account.

There are no annual fees associated with the card and the APR is competitive for both purchases and balance transfers. Cardholders also have access to auto rental insurance, travel accident insurance, and protection from security breaches and fraud. In the event a situation arises where fraud is suspected, account holders will receive email alerts that provide advance notification of security issues. To help ensure on-time payments, email alerts can also be issued to remind users of bill payments and due dates. Cardholders can choose a payment date that fits into their lifestyle and the card company accepts payments online and via telephone without any additional fees. There is access to online account information and 24/7 customer service available from Discover.

(Review Date: March 5, 2009)


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*Please be sure to see the specific online Balance Transfer Credit Card application for additional details about the terms of the specific card offer that you're interested in. We make a reasonable effort to maintain informational accuracy. However, all information and any details pertaining to each credit card presented are done so without warranty. After clicking on the "Apply Here" button, make sure to review ALL of the conditions and terms pertaining to that offer on the credit card issuer's web site.

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