Discover® Motiva Card, Editor Reviewed at CompareCards.com

Discover® Motiva(SM) Card

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

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Intro APR:	3.99%*
Regular APR:	11.99% - 19.99%*
Annual Fee:	None

Intro Period:	6 Months*
Balance Transfer:	Yes*
Credit Needed:	Excellent

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Cash Rewards for your good credit management!
Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year
5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners

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

Must exceed $3,000 in purchases before 1% Cashback Bonus applies. Rate is based on credit history and good be higher than similar cards if credit is less than excellent.

CARD DESCRIPTION

Offering a unique pay-on-time bonus for good card management habits, the Discover® Motiva(SM) card is unique credit card. Featuring a below Prime introductory offer for 12 months on balance transfers and six months on purchases, this is a good choice for anyone with a high-interest balance to transfer.

The Discover Motiva(SM) 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.

You must exceed $3,000 in purchases before the 1% cash back bonus will apply but you can earn 5%-20% from your cash back bonus at top retailers through Discover’s exclusive online shopping site.

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

DETAILED EDITORS' RATINGS

8.0

Introductory APR

3.9% APR for 12 months on balance transfers and 6 months on purchases.

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; 3% balance transfer fee; 3% cash advance fee.

8.0

Regular APR

Variable between 10.99% and 18.99% based on credit history.