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Build your credit history. 0% Interest on Purchases for 6 Months, no annual fee and no minimum income or cosigner required! Easy Online Account Management tools!
Intro APR : 3.9%Annual Fee : $0Intro Period : 6 monthsType of Reward : Rebates
Information The Discover® Motiva Card, issued by Discover, is designed for those with very good credit who are looking to earn cash rewards by paying on time and making purchases. Plus, you need no minimum income or co-signer! Through the reward program, cardholders will get 5% - 20% Cashback Bonus® at top retailers through our exclusive online shopping site. Earn up to 1% unlimited Cashback Bonus on all other purchases automatically. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36 month period. Get a Pay-On-Time Bonus equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year. The card has no annual fee and an attractive 0% introductory rate on purchases for six months. The APR for this card is reasonably low for those who qualify. Aside from the reward program, the card also provides several cardholder benefits including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services. Therefore, those who plan to spend over $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating online retailers (to earn additional cash rebates), plan to pay in full each month after the introductory rate expires (to avoid costly finance charges), and pay on time every month will benefit most from what the Discover® Motiva Card has to offer. *It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will only be applied to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers.
Card Issuer Merchant Card Category Reward Type
Discover
Discover
Cash Rewards
Rebates
Intro APR
Intro APR Period
Regular APR
CashAdv APR
Annual Fee
Other Fees
3.9%
6 months
10.99% Variable
23.99%
$0
$
Min Credit
Max Credit
Grace Period
1st Year Annualfee Free?
$n/a
$n/a
25 days
n/a
Terms of Use 
