Discover® Motiva Card

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Discover® Motiva Card
Required Credit Score: Excellent, Good
3 274 reviews   Write a Review!
JUMP TO: REWARDS | APRs | REVIEWS | Q&A | CUSTOMER SERVICE INFO
Existing Cardholders
 
 
 

Discover® Motiva Card's Rewards

Bonus
None
Base Earn
0.25%
Max Earn
1%
Earn / Redeem Limit
No
  • 5% of your Interest Charges as a Cashback Bonus automatically each month you make an on-time payment.
  • 5% to 20% Cashback Bonus through our exclusive online shopping mall.
  • Rewards just the way you want them. Choose from Partner gift cards, merchandise, Discover gift cards, Charity, or Cash.

Discover® Motiva Card's Key APRs & Fees

Intro Rate on Purchases
0% for 14 months
Intro Rate on Transfers
0% for 14 months
Regular Rate
10.99% - 19.99% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE 3%

Discover® Motiva Card's Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   N/A
  • MAX PENALTY APR   24.99% (V)
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   Yes
  • CASH ADVANCE RATE 24.99% (V)
  • CASH ADVANCE FEE 5% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    None
  • 0% intro APR on purchases and balance transfers for 14 months, then the variable purchase APR of 10.99% - 19.99%.
  • $0 Fraud Liability. You're never responsible for unauthorized charges on your Discover card account, plus mobile and email fraud alert options
  • 24/7 access to a U.S.-based Account Manager within 60 seconds

Discover® Motiva Card Reviews

 
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3.2
Overall Rating: 3.2 / 5
Total Ratings: 274
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Feb 10, 2014
Photo of Marie Y.
5
By:
I have had this card since 2008 and I have loved it! My husband and I have several different credit cards and this card is one of my favorites. I can use it just about anywhere which is good and bad. I wish it was accepted anywhere but maybe in time. I love that there is no annual fee and the rates are one of the lower ones. Any time I needed to get customer service on the phone they were fast and reasonable. I like that I can do most things online like paying my bill and picking a new card face if I wanted to. I find the more
Jan 3, 2013
Photo of Sarah C.
4
By:
I have had this card for quite a while. It has a pretty low limit and I haven't been offered many increases. My only complaints are that the online features are hard to navigate and that Discover is not accepted at as many places as VISA. For instance, some movie theaters in my area do not take Discover. I do appreciate that there is no annual fee and that the rate is reasonable. Overall, it's a decent card, probably good for someone just starting out with credit. I try not to use my credit card a lot so I don't rack up many rewards.
Jan 3, 2013
Photo of Ashli B.
3
By:
I have had the Discover Motiva Card for a few months. It is what I would rate as an average card. There is no annual fee, which is why I switched to this card from another type of Discover Credit Card. The intro rates for balance transfers and purchases are 0% for 14 months, which is very competitive. The rates then go to a regular rate. The regular rate was not very competitive for me, but I do not plan on using this card much after the intro rate expires. You do earn Cash Back bonuses, but it is a low rate.
Dec 26, 2012
Photo of Matt B.
5
By:
I have had my Discover Motiva Card for a few months now and I absolutely love it. I have nothing but good things to say about this card. I got this card when I lost my last one and it has met all of my expectations. I was happy that the credit requirement to get the card was not too much and I have been very satisfied with the rates and fees associated with this credit card. I would recommend this card to any and everybody. It is great and you will not be disappointed. This card has been very reliable for me and could be for anyone else too.
Dec 26, 2012
Photo of Walnut B.
5
By:
This card is a great card to possess. It doesn't have an annual fee, and even though you don't rack up rewards too fast, it is still has very good rewards and perks that are worthwhile. The No Earn/Redeem limit is pretty cool also. I really was into the "Discover" brand until I purchased this card and it made me realize what all was good about Discover. I don't really have any complaints about this card, and I recommend it to anyone that is looking for a new card, or a first timer looking for their first card. 0 Annual Fee, Cash Back Rewards, and plenty perks to brag about more
Dec 19, 2012
Photo of Traci C.
3
By:
I have had this card for a few months now, and I can't say that it is the best card I've ever had, but it's not bad. I don't really rack up rewards as fast as I'd like, but the rates are great and there is no annual fee, so that's an awesome bonus. For someone with a pretty bad credit score, this card is pretty alright. I am not the biggest fan of Discover, and it isn't accepted in quite a few places, but I use it whenever I can. I don't know if I would recommend it to anyone, but I am not completely dissatisfied with it, so more
Dec 19, 2012
Photo of Kristin F.
4
By:
I have been a bit disappointed with the cash back section of this card. I have not been amassing rewards as fast as I thought I would. I also am looking at a super high interest rate when my initial period ends. That said, I am overall happy with the card. I used it a bit recklessly at first but I hope to use it to its fullest potential in the future. I would NEVER pay an annual fee so the lack of one on this card is a bonus. I do wish Discover was taken everywhere, so that again is a bit of a downside. Overall, I would recommend more
Dec 7, 2012
Photo of Sher-yce R.
4
By:
I just got this credit card, and have been using it for majority of my Christmas shopping. I am so far pleased with the card, and will continue to make purchases with it. I will be honest and say that when I first applied for this card, I was denied even though I have really good credit. If you are going to apply for this card you will probably have to have almost perfect credit. I am happy that I decided to apply again after fixing my credit, because the bonuses are amazing, and there are no extra fees for using them. A credit card with no annual fee was more
Dec 7, 2012
Photo of Andrea H.
5
By:
This is my favorite card. No annual fee, no fees for using rewards portion of the card. In fact, this is the card I use to do my Christmas shopping because I get quite a bit "Cash Back". I also like the customer service. Always polite, helpful and speak with me like I'm an individual person with individual needs and not just another credit card user. I also like the the 0 Fraud Liability, as I actually had a problem with someone trying to use my credit card number. Discover called me, I verified that I was unaware of the purchase, which thankfully was not a big amount, and they more
Nov 30, 2012
Photo of Deidre W.
5
By:
I am a shopper so this card is a dream come true for me! I have earned 20 percent on almost all of my purchases! Imagine earning money for doing what you love best! All humor aside it is a wonderful card. There are no annual fee's, card fee's or fee's for turning in your rewards. The customer service is also always professional and polite. They speak to you as a person, not simply another credit card number. I have a number of different credit cards that I use but I will honestly say this is the card that I use the most and have NEVER had any issue with. more
Nov 23, 2012
Photo of Barbie M.
3
By:
Love the lengthy 0% intro APR, I am a sucker for that. Also can rest easy with the zero fraud liability. The cash back rewards is of no consequence to me since it's miniscule and meant to fool people who have little concept of how small.25-1% is, more so when you take interest rates into account. The rates after the introductory grace period, while not incredibly low, are fairly predictable and steady and the max rate in case you get into trouble is not wildly high. Not much experience with customer service, so to comment on that would be a disservice, but typically is a marginal factor at best with more
Nov 23, 2012
Photo of Ila H.
3
By:
I used the Discover Motiva for about a year a few years ago and was fairly impressed with it. My wife and I signed up for it specifically to use as a rewards card. In Christmas of 2010 we used it on all our gifts we purchased online and were rewarded with a pretty nice reward after it was all said and done. The interest rates are fairly nice, but nothing to write home about. In the end, I decided to go elsewhere with getting a new card with lower interest rates and larger rewards. This card was more of a ‘middle of the pack’ card where it wasn’t great more
Nov 20, 2012
Photo of Vivienne F.
5
By:
I've had several credit cards in the past, but the Discover Motiva card is definitely one of my favorites due to its flexibility. I primarily use this card when traveling and it has been a great help. That said, I don't recommend planning to take it overseas as Discover is rarely accepted outside of extremely touristy areas, but it works very well for transactions inside the U.S. First, the biggest perk is you don't have to pay a fee when you buy foreign currency. This is extremely helpful if I need to stop by an airport kiosk and pick up some extra money before a flight. Secondly, this card has more
Nov 20, 2012
Photo of Michael J.
5
By:
Discover Motiva card was a life saver for my family and I. We were in some deep financial troubles that had gotten us into a very bad spot in our life. The situation was not really our fault but we certainly had to deal with the repercussions of it. Just when we thought it was time to give up the Discover Motiva card came through for us. We bailed ourselves out of trouble and then got back on our feet. We recently bought our own house and I feel like we wouldn't be where we are today if it wasnt for the Discover Motiva card. Their great rates, policies and more
Nov 8, 2012
Photo of Darlena A.
5
By:
The Discover Motiva credit card is a great card that I easily use for my daily life. I was referred by a few friends who had very positive experiences with this company. Unlike other credit card companies, Discover actually treats you with respect and values your business. The customer service line was also very impressive. I was able to get in touch with a skilled employee every time I had a question, even at odd hours through out the night. The patience and compassion is definitely present with this company. There are amazing perks with this card as well, the 0% APR for the first 14 months was a life more
Nov 8, 2012
Photo of Mark W.
4
By:
I don't use credit cards often. As a result, I was very particular about the cards I picked. I wanted something with a decent rate and little to no fees – this card fit that perfectly. While Discover isn't taken everywhere, it's taken at all of the places that I would actually use a credit card at. The cash back bonus has been a great thing to have since I usually am using the card for larger purchases to begin with. Customer service with Discover has been far better than what my old Visa used to be. So far, I've been absolutely impressed with it. It's met my needs and more
Nov 1, 2012
Photo of August M.
3
By:
The Discover Motiva card is just alright for me. I was able to take full advantage of the intro 15 month purchase interest rate of 0%. It really helped me make some purchases I had to have. I was going to transfer some other accounts to this card but there is a 3% fee on transfers. I do not like fees and would rather not pay them. I do like the 0% Fraud Liability. This credit card does have a very good reward system and I really like being able to get a huge cash-back reward when shopping online. It really helps when looking for online deals. I think there more
Oct 11, 2012
Photo of Loredana M.
5
By:
Discover Motiva Card was the credit card which helped me a lot with all my bills. I have to say that I have never had a more advantageous credit card than this one, as most of them were very tricky and they were not reliable. They also gave me many unexpected and unwanted wishes, as their information and the contract signed were, actually, fake. This helped me a lot and it covered some of my needs when I had them. It also helped me to pay bills on time and it made me think that the providers are really truthful people, who appreciate values. It’s not necessary to say that more
Sep 14, 2012
Photo of Jennifer S.
4
By:
Discover Card is great to have for rewards and good customer service. I just wish that everyone accepted them as I do run into a problem of worrying that it won't be accepted somewhere that I am going. The rewards are what drive this card. The 1% is standard for most cards and not a big deal but the 20% online shopping at select retailers is great. I don't know many cards that offer anything close to 20% and the stores are a good wide selection that give the 20%. Discover also makes it easy to follow your rewards and cashing them in is definitely easiest with Discover then any more
Sep 14, 2012
Photo of Kristine T.
3
By:
The Discover Motiva card gets an average rating in my book. One of the things that I love about this card is that it has 0% APR for the first fifteen months. This helped me out a ton when I first got the card. Also, the rewards on this card are pretty beneficial. The cashback is nice, and the pay-on-time bonuses really do help each month, especially when you forget that you are going to receive the bonus. It is a nice little surprise. The 20% cashback is alright, but I have yet to find a retailer that I order from that much to take advantage of this. This was more
Aug 30, 2012
Photo of Leonida L.
3
By:
I’ve had this card for about 4 months. I like it, because it has been serving the purpose I got it for (0% APR intro rate and nice balance transfer offer), but it has its downsides in my opinion. This is the first Discover card I have owned and I am not crazy about their web interface. It’s not the worst, but it seems like there’s a lot of stuff I can’t do easily online (like balance transfers) that I have to call for. Not a big deal, just not as convenient as some other card websites. The reward program is nice and that part is supported well online. I’ve more
Aug 30, 2012
Photo of Alan A.
4
By:
This is a card that is good for those of you with mediocre to decent credit ratings that want to earn some form of rewards on their credit card purchases. The people in charge of this program always seem pretty helpful and responsive to your issues. I remember that one time I had an issue and it was resolved with just one single phone call, which is unheard of in these days where it takes many many phones calls to get just about anything resolved these days. I have found that the rewards add up quickly and before you know it you can spend all of your points, which feels more
Aug 22, 2012
Photo of Shannon J.
4
By:
I realize that using a credit card simply for rewards, or cash back bonuses is not the wisest idea. But if you are going to have to use a credit card anyways, why not get something back? That's my thinking. You never get that much cash back but it does make it slightly better than most. Discover gives me cash back for my purchases. That's is really one of the main reasons I like this card. I had an issue paying my bill and it didn't go through when paying online and I thought it did. They were very understanding and waived the late fee. I thought that was really more
Aug 15, 2012
Photo of Paula H.
5
By:
I love this card, I originally got it because of a balance transfer promotion. My favorite offer is the Cashback Bonus which gives me money back whenever I make a payment on time. It adds up pretty quickly and they give you the option to transfer the money directly into a bank account versus having to use it on certain gifts. There is also the rewards option for purchases but I am not too familiar with this option. They also offer the program where you can defer a monthly payment for important events like weddings, children, moving, etc. And when I lost my job I enrolled in the program that more
Aug 15, 2012
Photo of Johnny L.
5
By:
I Like this card, I have been using it for a couple years, and I think I made a good decision to go with this card. I wanted to get this card for the reward points, I really like this feature of the card and I take advantage of it as much as I can. I love that I get percent back on all purchases, definilty worth it as it adds up to a nice amount depending in how much you spend. I also like the lack of annual fee, although the interest is kind of high for this type of card. The Discover customer service also works very well, more
Aug 15, 2012
Photo of John R.
5
By:
I've only had this card for a few months, but I love it already. I was in the process of getting rid of all my credit cards to start anew when I saw this one. I thought this one would be the option because of the bonus rewards. They were so unbelievably good that I thought there was no way it was going to actually pay off. I was wrong. It is a great feeling getting instantly rewarded every time I make a purchase with this card. I don't have to wait until some point in the future after collecting X amount of points to be able to reap the more
Aug 7, 2012
Photo of Julie A.
5
By:
I have had the Discover Motiva card for four years now. By far, this is one of my favorite cards. I signed up because there was an enticing balance transfer offer. This was the first credit card I had that offered cash back rewards. Pay on time, you get rewarded. You can make purchases with the reward, you can get a direct deposit to your account, or a statement credit. A newer feature is the ability to link your card to your Amazon account and use your rewards to pay for merchandise on Amazon. The catch is, the balance is charged to your card. Make sure you pay if off more
Aug 6, 2012
Photo of Jus S.
5
By:
This is a card I decided to get for the rewards perks. I do like that it's simple and I don't have to jump through any hoops to earn rewards- they're on any purchase I make. The perk that I really like, though, are the online shopping rewards. I make quite a few purchases online and this card really pays off in cash back rewards! Add to that no annual fees, and it's really a nice choice for many purchases. The interest rates are a little high. I do pay off my balance each month, but that may be something for others to watch out for. Discover's customer service is more
Aug 1, 2012
Photo of JoeyandAmanda W.
4
By:
The Discover Motiva Card is really cool as I have owned one now for five months. It features some really cool benefits which make it a fun card to carry around. One of which is its rewards program, as it ensures that you receive one percent back on all purchases, as well as a possible twenty percent back on certain purchases using the company’s online shopping store. The card also offers rewards for those who pay their bills on time as well. The only possible downside is that certain small retailers may not accept the card, due to the fact that it is a discover card, which is not as more
Aug 1, 2012
Photo of Illa E.
5
By:
The Discover Motiva card is simply amazing. I got this card a few months ago and I have had a pretty good experience with it. I really like that it doesn’t have any annual fees. I don’t think anyone should ever have to pay just to use a credit card. I really like the cash back rewards also. It’s nice to be rewarded for doing the right thing. I always pay my bill on time, so interest rates are not an issue for me. The only drawback to this card is that it’s a discover card. Discover cards are not as widely accepted as MasterCard or Visa and I have more
Aug 1, 2012
Photo of Louis E.
5
By:
I’ve only had good experiences with the Discover Motive Card. I pay my balance on time and in full. However, the interest rate is not too high and affordable. Customer service is wonderful and willing to cater to your needs. When I first signed up there was zero interest but it ends after an intro period. One of the biggest pluses of this card is its reward program. It is structured in a way where you receive one pecent back on all purchases and up to a twenty percent cash back bonus on purchases made through the company’s online shopping mall. You also get rewarded if you pay your balance more
Aug 1, 2012
Photo of Wing L.
4
By:
I have had the Discover Motiva credit card for about two years now, and I must say it is quite good. Not excellent or great, but good. Like others have said, the one percent cash back is rather bad, but at least there is some reward. The interest rate is relatively low, but if one pays off the balance in full anyway, it doesn’t really matter. In my opinion, this is a simple, basic card for people with a good credit score. There are, of course, many other options that could be potentially better, but this is a good card to start off with, as you move towards cards with more
Jul 25, 2012
Photo of Jess G.
4
By:
I have had almost nothing but good experiences with this card. As some of the other people have said, the cash back of 1% isn't all that much, and neither is the on-time bonus, but at least they are still giving some sort of reward for responsible use, and that is nothing to sneeze about. It used to give you an additional bonus equal to a full month's interest after 6 on time payments, and that was amazing, but they have stopped doing that in the last couple of years some time. My one gripe with them is that I have had mixed success with customer service, and that is more
Jul 18, 2012
Photo of Delaine S.
5
By:
This is a fairly good card to have. The interest rate is reasonable and customer service has always been easy to deal with. The cash back is a huge incentive for me to keep this card among my several others. The list is long on the advantages, like zero interest when you are new to the card, and while that does end after the into period it is a big bonus in the beginning. One of the most notable features of this type Discover card is the rewards offered for those who pay promptly and on time. Wow, I always have paid on time, and now I am getting a more
Jul 3, 2012
Photo of Michael C.
5
By:
This is a second card I had through discover and unlike many cards this one is a great card to use because if the simple fact that they have many neat things integrated with the card such as 0$ fraud Liability which is great. The 20% back when you shop online is an even better feature especially if you are a bargain hunter and shop online like me.Even the 1% on all other purchases is a tremendous help. To top everything off you do not get interest on any of your purchases for 15 months to me that makes this card worthy of high praise. I give this card 5 more
Jul 3, 2012
Photo of John U.
5
By:
This is a card I use on a regular basis and love the base rate that comes with it. The introductory rate of 0% and the no interest on purchases for 15 months have helped substantially in my decision to recommend this card. The rate after the 15 months can be high, but the 0% helped me to pay off a lot of debt in a short period of time. I have been extremely happy with this Discover card. One of the other major benefits has definitely been the cash back on purchases and the rewards for paying on time, which is completely unique in my honest opinion.
Jun 27, 2012
Photo of Frank A.
5
By:
I use this card regularly, and love the benefits that come with it. The introductory rate of 0% and the no interest on purchases for 15 months have helped substantially in my decision to recommend this card. I have been extremely happy with my Discover card. One of the other major benefits has definitely been the cash back on purchases and the rewards for paying on time, which is completely unique in my honest opinion. Other than that, it is worth noting that the billing cycle is very good and a very gracious grace period are both good perks. All in all I have had nothing but good experiences with more
Jun 27, 2012
Photo of Bryan C.
5
By:
I would have to say I absolutely love my Discover card. I never leave home without it and it has never let me down. The best thing about this card is the no interest for 15 months. You can't beat that! I used my card when I first got it for everything. I didn't even need cash because I could use my discover card for anything and not have to worry paying interest. On top of that they offer great cash back rewards which really add up. I also have had to call customer service a few times and they have been nothing but nice and always helped with any more
Jun 21, 2012
Photo of Eli W.
3
By:
All in all, I would have to say that I am not overly pleased with my discover card. It has no interest on credit payments for the first 15 months with the card, which is nice, but once those interest payments rise up to over 10% after those 15 months are up. The 1% cash back on purchases is nice, as well as the 20% when you shop online. But, the main problem is the amount of places that actually accept the discover card, which is not many. Many restaurants and retailers have either stopped or never accepted the discover card, my guess is this is due to the cost more
Jun 1, 2012
Photo of Lauren P.
5
By:
I really enjoy all of the perks to this credit card. There's no annual fee, there's great cash back bonus features and it has a good APR as it is 0% in the first several months of owning the card. I also earned $50 cash back for having my boyfriend sign up for a credit card and he did as well which was an awesome bonus. There are also cute designs for the card so you can have a wide variety of choices. I have enjoyed the Discover card and will continue to use them as one of my favorite credit cards.
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Last updated on: Feb 10th, 2014 at 1:29 EST