Discover® Motiva Card, Editor Reviewed at CompareCards.com

Discover® MotivaCard

Editor's Rating: 8.5
Consumer Rating: (1 ratings) 6.0

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Intro APR:	3.99%*
Regular APR:	11.99% - 20.99% (Variable)*
Annual Fee:	None

Intro Period:	12 Months*
Balance Transfer:	Yes*
Credit Needed:	Excellent

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Cash rewards for your good credit management
Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
Up to 1% unlimited Cashback Bonus on all other purchases
3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
3.99% intro APR on purchases for a full 12 months, then the Regular APR

EDITORS' RATINGS OVERALL SCORE

8.5

Overall

The Bottom-Line

For anyone with excellent credit who enjoys being rewarded for their good account management habits, this card is a good option.

The Good

A low introductory offer on purchases and balance transfers, and unlimited cash rewards that never expire. Six on time payments in a row will earn a pay-on-time bonus.

The Not So Good

This card doesn't offer a 0% promotional interest rate compared to the Discover® More Card.

CARD DESCRIPTION

Offering a unique pay-on-time bonus for good card management habits, the Discover® Motiva Card is unique credit card. Featuring a below Prime introductory offer of 3.99% for 15 months on balance transfers and six months on purchases*.

The Discover® Motiva Card is for people with excellent credit, offers unlimited cash rewards and bonus cash rewards for good credit management. Finally, there is a credit card product that rewards you for your positive credit habits. Six on time payments in a row can earn you a pay-on-time bonus. You can also find a low introductory rate on purchases and unlimited cash rewards that will never expire, so you can use them whenever you need to.

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here" button, you can review the credit card terms and conditions on the issuers website.

Read Customer Reviews (Last Reviewed: Jul 25, 2008)

DETAILED EDITORS' RATINGS

8.0

Introductory APR

3.99% intro APR on purchases for a full 12 months* and 3.99% intro APR on balance transfers for a full 15 months*.

8.0

Benefits

Cashback Bonus on purchases, low introductory interest rate and pay-on-time bonus every six months.

8.0

Fees

No annual fee; BT Fee is 4%*, CA Fee is $10 or 5%* whichever is greater; 3% cash advance fee.

8.0

Regular APR

Variable between 11.99% to 20.99%* (Variable) based on credit history.