Advertiser Disclosure

Discover® Motiva Card

Apply Now on Discover’s secure website.
Apply Now on Discover’s secure website.

Discover® Motiva Card

Recommended credit score

Discover® Motiva Card

Annual Fee


Waived first year

Rewards Rate

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


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 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

APR, Variable

Min APR: 11.74%, Variable

Max APR: 21.74%, Variable

Penalty APR: Up to 26.74%, Variable

Cash Advance APR: 25.74%, Variable


  • Qualify with average credit
  • No annual fee
  • 0% for 14 mos on transfers
  • No foreign transaction fee

Rewards rate

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

Annual fee


Intro APR

Purchase: 0% for 14 mos

Transfer: 0% for 14 mos

Nerdwallet Review

Author: NerdWallet

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.

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