- Earn Cashback Bonus for your good credit management
- 0% intro APR on purchases and balance transfers for 14 months, then the variable purchase APR of 10.99% - 20.99%*
- Up to 20% Cashback Bonus at popular online retailers when you shop through Discover site
- Discover is ranked #1 in customer loyalty - 16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability. You're never responsible for unauthorized charges on your Discover card account, plus mobile and email fraud alert options
- 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
5.0 / 5.0 (21 votes)
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Information - Rates - Fees

Intro APR:
Applied Towards:
Balance Transfer
Intro Period:
14 months*
10.99% - 20.99%*
APR Type:
Annual Fee:
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Low Interest Credit Card
No Foreign Transaction Fee Credit Card
Reward Card
Credit Needed:
Grace Period:
25 days*
Min Finance Charge:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):


*The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 11.99% - 20.99%.
See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button, you can review the credit card terms and conditions on Discover's website.

Review by

The Discover Motiva credit card is a low interest card for individuals having good or excellent credit. A long term introductory APR offer on balance transfers is made available to those card members who qualify based on credit worthiness. Members are allowed to choose their own payment due date with no fees charged for paying on the exact date by phone or online.

Purchases at over 100 partner retailers and merchants earn cash back - those at ShopDiscover may earn up to 20%. Cash earned do not expire and there's no yearly limit.

Card members avail of benefits including online account management, complete fraud protection guarantee, fraud warning, zero fraud liability, email reminders against late payment.


Most attractive:
- Low APR on purchases for those who qualify
- Long term introductory rate
- Long term low rate for balance transfers
- No annual fee
- Pay-in-time bonus rewards

Rewards & Benefits

Reward Types:
Cash Back Reward Cards
Universal Reward Cards
Reward Unit:
- Earn Cashback Bonus for your good credit management
- 5% to 20% Cashback Bonus at over 200 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
Yearly Limit:
Other Benefits:
- Internet account related services
- Free payment by phone or online
- $0 fraud liability guarantee
- Auto rental insurance
- Up to $500,000 in travel accident insurance
- Discounts on products and services at participating merchants and retailers
Online Access:

The information provided for Discover® Motiva Card is believed to be accurate at the time of evaluation (Jan 3, 2013). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.