Discover® Motiva Card

Discover® Motiva Card

on Discover's secure website

Discover® Motiva Card

Discover® Motiva Card

Discover® Motiva Card

on Discover's secure website

Card details

  • Earn Cashback Bonus for your good credit managment

  • 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.com

  • 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

  • View Rates and Fees

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    0.25% for first $3,000 /yr then 1.00%

  • Bonus offer

    None

  • Intro APR

    Purchase: 0% for 14 mos

    Transfer: 0% for 14 mos

  • Ongoing Apr

    Min APR: 11.74%, Variable

    Max APR: 21.74%, Variable

    Penalty APR: Up to 26.74%, Variable

    Cash Advance APR: 25.74%, Variable

  • Balance Transfer Fee

    3%

  • Foreign Transaction Fee

    None

Recommended credit score

Not sure which card is best for you?

Take a simple quiz to find out

NerdWallet Review

By NerdWallet

Rating Details

3

Editor's overall rating

Pros and Cons

Pros
  • Qualify with average credit

  • No annual fee

  • Intro APR period on Purchases and Balance Transfers

  • No foreign transaction fee

Cons

    Discover Motiva offers a unique set of features for those who carry a balance.

    First, the card has an introductory APR period of 3.99% for 15 months on both purchases and balance transfers, which ranks it among the best deals out there. In fact, the average credit card charges you a rate of closer to 14% to borrow money, so this is a great way to save money while you pay down your debt. However, beware of the 4% balance transfer fee for the intro offer, or the 5% balance transfer fee for normal balance transfers.

    Second, the card offers an ongoing rate of 16.99% to 25.99% depending on your credit score and a few other factors. However, if you pay on time, you get rewarded with a reduction in interest charges on your next statement, of 5%.

    Third, this card earns rewards, unlike most cards with an introductory APR period. You get 1% cash back after you spend $3,000 per year. Before then you only get 0.25%.

    Pay on time bonus

    Any time you pay your bill on time, you receive a 5% deduction on your interest for your next months' statement. This effectively takes a 20% interest rate down to 19%, which isn't necessarily great, but can really add up over time due to compounding. You may also want to check out other balance transfer deals on our site, that are even more attractive than that offered by Motiva.

    No matter what your credit score, if you carry a balance, you should really consider your local credit union. There are many credit unions, with open membership, that offer rates far lower than 19%, even for people with very bad credit, or no credit. Check out our credit union credit card finder to find out more.

    User Reviews

    Rating Details

    NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

    Already have this card?
    Tell us what you think.

    Showing undefined reviews

    Some of the reviews on the NerdWallet site were purchased through a third party provider. Users who post a review directly on the NerdWallet site will not be compensated in any way. Please see our Terms of Use and Posting Guidelines for more information.