| APR | Annual Fee | Credit Needed |
|---|---|---|
| 10.99% - 20.99% | None | Good |
- Earn Cashback Bonus for your good credit management
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S. based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alerts
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Credit Card Review
"Flexible payment options and a great incentive to pay your bills on time. Highly recommended!"
If you carry a monthly balance the Discover Motiva Card might be a good choice. Each time you make 6 on-time payments in a row, you get your next month's interest back! This is a unique feature that we've not seen on any other card. The Motiva Card also allows you to earn Cashback Bonus rewards which you can redeem for a variety of options including cash and gift cards. Get free payment options by phone or online, even on your payment due date! This convenient feature can help keep your good credit - good!
| APR for Purchases |
Introductory Rate: 0.00% for 12 months Standard APR: 10.99% - 20.99% |
| APR for Balance Transfers |
Introductory Rate: 3.99% for 15 months Balance Transfer APR: 10.99% - 20.99% |
| Other APR's |
Cash Advance APR: 23.99% Penalty APR: 16.99% - 25.99% |
| Fees |
Upfront Fee: None Annual Fee: None Balance Transfer Fee: 3.00% $0.00 min. Cash Advance Fee: 3.00% $5.00 min. Late Payment Fee: $19 on balances up to $250 and $39 on balances over $250. Over the Credit Limit Fee: $15 on balances up to $500, and $39 on balances over $500. Foreign Transaction Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency for billing periods ending after May 1, 2009. |
| Other Information |
Grace Period: 25 days Credit Required: Good |
* Review the credit card application for official terms and conditions.
