Discover® Motiva℠ Card for Average Credit
Net Annual Rewards
$194of Cash
Reward Rate
0.25% for first $3,000 /yr then 1.00% thereafter.
Annual Fee
$0
Signing Promo
None
APR, variable
Intro APR Promotions
Reward Summary
- Earn 0.25% on purchases
- Each time you pay at least the Minimum Payment Due by the Payment Due Date for six consecutive billing periods, you will earn a Pay-On-Time Bonus equal to the Periodic Finance Charges shown on your next statement
- Rewards of 0.5% spent each year up to $3,000
- 1% after
Rewards Type: Cash
Card Details
- Cash rewards for your good credit management
- Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
- 3.99% intro APR on purchases for a full 12 months, then the Regular APR
Finance Charge Calculator
Use the sliders to the left to calculate balance transfer interest and APR interest for this particular card.
*Effective Annual Rate for Balance Transfers of 12.9% includes transfer fees and APR promotions. See our breakdown of EARs vs APRs.
Finance Charge, Balance Transfer of $10,000*
*Effective Annual Rate for Balance Transfers of 12.9% includes transfer fees and APR promotions. See our breakdown of EARs vs APRs.
Effective Annual Rate, Purchases
APR Rankings
APR
12.99%
ranks #141 out of 459 cards.
Average is 13.26%.
Average is 13.26%.
Balance Transfer Fee
3%
ranks #43 out of 418 cards.
Average is 3.26%.
Average is 3.26%.
Cash Advance APR
23.99%
ranks #205 out of 445 cards.
Average is 22.36%.
Average is 22.36%.
Rewards Rankings
Annual Fee
$0
ranks #1 out of 493 cards.
Average is $24.
Average is $24.
Base Reward Rate
0.25%
ranks #361 out of 383 cards.
Average is 0.98%.
Average is 0.98%.
Effective Reward Rate
0.9%
ranks #345 out of 383 cards.
Average is 1.06%.
Average is 1.06%.
Sign-up Bonus
$0
ranks #475 out of 475 cards.
Average is $84.
Average is $84.