Discover® Motiva Card
Sponsored Card
- Minimum Credit Required:
Excellent, Good - Annual Fee:None
- Network: Discover
- Rating:
Cash Back
| Initial Bonus None |
Base Earn 0.25% |
Max Earn 1% |
Earn / Redeem Limit No |
- Up to 1% Cash Back on all purchases.
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.
- Earn Cashback Bonus for your good credit management -- Each time you pay at least the Minmum Payment Due by the Payment Due Date, you earn a Pay-On-Time Bonus equal to 5% of the Interest Charges shown on your next statement.
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee.
| Intro Rate 0% |
Intro Period 15 months |
Regular Rate 10.99% - 20.99% (V) |
| Intro Rate0% | Intro Period15 months | Regular Rate10.99% - 20.99% (V) | Balance Transfer Fee 3% |
| Cash Advance Rate 23.99% |
Cash Advance Fee 5% (min $10) |
- 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%.
- $0 Fraud Liability plus automatic mobile and email fraud alerts.
- Choose a payment due date that meets your needs.
- This card offer is NOT available to existing Discover card members. You might want to first close your existing Discover card account and then apply for this offer.
- The balance transfer fee is 3% of the amount of each transfer, with the 0% introductory APR balance transfer offer described above; otherwise, the balance transfer fee will be either $10 or 5% of the amount of each transfer, whichever is greater.
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: 25.99%
- Grace Period: 23 days
- Online Response: Yes
- Foreign Transaction Fee: None
If you currently have the Discover® Motiva Card and are satisfied or you like the terms of this credit card offer please let your friends know.
If you are interested in the Discover® Motiva Card, check out the following credit cards as well:
Compare the Discover® Motiva Card against other major online credit card offers.
Discover® Motiva Card is related to the following credit card categories:
- Rewards Credit Cards for Good Credit
- Balance Transfer Credit Cards for Good Credit
- 0% Interest Credit Cards
- Rewards Credit Cards with No Annual Fee
- 0% Credit Cards for Good Credit
- 0% APR Low Interest Credit Cards
- 0% Credit Cards for Excellent Credit
- Low Interest Credit Cards for Excellent Credit
- Low Interest No Annual Fee Credit Cards
- Credit Cards for Good Credit
We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information.
Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Discover® Motiva Card shown on this page.
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The Discover Motiva Credit Card is rather unusual, and that’s not just because it has a weird name. It’s also because of the way its rewards program is structured. In addition to providing 1% cash back on all purchases and up to a 20% cash back bonus on purchases made through Discover’s online shopping mall (where high prices probably make this an unrewarding reward), you also get a good credit management bonus for paying at least the minimum due by the due date. The thing is that this “bonus” is 5% of the interest charges on your following month’s statement. In other words, you’re getting rewarded for managing your credit decently, but not too well. I mean if you pay your bill in full, as everyone should strive to do, there’s no added benefit. That strikes me as odd. Obviously, Discover is trying to make it so they don’t have to deal with delinquency, but can still reap interest revenue. Since this really isn’t a benefit and 1% cash back is basically the industry standard (meaning many other cards provide more), the Discover Motiva isn’t too special. It actually seems better suited to the average credit crowd than people with excellent credit. I’d therefore say that your motivation should be to look for options aside from the Discover Motiva Card because you’ll quickly Discover something better like the Capital One Cash Credit Card, which offers 1.5% cash back across all purchases and a $100 initial rewards bonus.