Discover® Motiva^SM Card

• 3.99% intro APR for 6 months on purchases, and 12 months on
  balance transfers*
• No annual fee.
• 5-20% Cashback Bonus® from exclusive online shopping site
• Get 1% Cashback Bonus on all other purchases. Plus, a Pay-On-Time Bonus equal to a month of interest after 6 payments in a row. Review...

General Card Information: Issued By:  Discover Credit Cards Rating: Categories:  Low Interest Cards  Instant Decision Cards  Reward Credit Cards  Cash Reward Cards Credit Type:  Good / Excellent Positives: + 1-20% Cash Back + Pay-On-Time Bonus + Competitive Rate + Introductory APR Negatives: - Limited Acceptance - Lower APRs Available

Credit card review:

The Discover® Motiva(SM) Card is for people with excellent credit looking for a great cash reward program. The card offers a low APR and no annual fee.

General purchases made with Discover® Motiva Card of up to $1,500 earn .25% and between $1,500 - $3,000 earns a .5% cash back rebate. All purchases made over $3,000 will be rewarded with a 1% rebate. You can also earn .25% for any purchases that you make at select discount stores and warehouse clubs. In addition, earn 5% to 20% bonuses at top retailers through Discover's exclusive online shopping site.

There's no limit on rewards and they won't expire for three years, as long as the account remains active. Make your payment on time six months in a row and get a credit toward the next month's interest, up to twice a year.

In addition, the Discover® Motiva(SM) Card comes with a wide array of benefits for cardholders such as auto rental insurance, up to $500,000 in travel accident insurance and various fraud and security protection services.

Features summary:

- Introductory APR (see details above)
- Competitive low interest rate (see details above)
- No annual fee
- 0.25% - 5% cashback on general purchases
- Various Internet account related services
- Earn unlimited cash rebates
- $500,000 travel accident insurance
- Fraud & security protections
- $0 liability against unauthorized transactions
- Discounts at participating merchants
- Auto rental insurance