Discover® Motiva Card

Editor Reviewed by the CompareCards.com Editorial Team:

The Discover Motiva card is an innovative card that motivates you to pay your bills on time. That’s because you get a month’s worth of interest backfor every six on-time payments you make in a row, which means that each year you could save yourself two month’s worth of interest payments.

There is no annual fee which also helps save money, but what can help even more is that there is a 3.99% introductory APR for 15 months – applicable to purchases and balance transfers. That makes this a really good card for transferring high interest balances that are weighing down your finances, and many consumers use this card as a way to consolidate and slim down their credit card debts.

With the Discover Motiva card you can earn up to 1% cash back on all purchases and can also earn 5% to 20% in bonus points by shopping in the card’sexclusive online shopping mall. You can also get a bonus by using the card at certain participating stores that work with Discover to give you an additional cash back that is worth .25%. That’s not much, but it could add up over the long haul to boost your rewards.

To get the full 1% on everyday purchases, however, you have to meet certain purchase level requirements. Spend less than $1,500 a year and you will receive .25% in cash back. Spend $1,500 to $3,000, to get .50%, or spend $3,000 or more to get the full 1%.

The Bottom-Line
This card has some good features like the long, low intro rate and the chance to earn extra rewards for making your payments on time and using the card to make at least $3,000 of purchases per year. There is also no annual fee. Otherwise the card’s rewards system is a bit complex and may not benefit those who don’t use the card very often.

The Good
The Discover Motiva card is a good card for transferring high balances and there is no annual fee, plus you get rewarded for being a good cardholder.

The Not So Good
You can find other cards with much more robust cash back rewards programs and fewer hurdles to get through before you earn the top tier cash back rewards.