Discover® Motiva Card Review: Credit Cards

	Apply for Discover® Motiva Card
Rating:
Bottom Line:	15-month 0% intro and balance transfer APR period; cash back plus bonus for paying bill on time
Full Review:	The Discover® Motiva card features a 15-month, 0% intro and balance transfer ARR, making it easy to consolidate your outstanding credit card balances onto a single card. Although it does offer cash-back on purchases, this card is best for those who are likely to exceed the $3,000 annual threshold, do carry a balance, and would like an incentive to pay their bill on time. Rewards No limits on how much cash back you can earn. Cardholders earn .25% cash back on all purchases until they have spent $3,000 annually. After reaching the $3,000 annual threshold, cardholders earn 1% back on all purchases. Gives cardholders a Pay-On-Time bonus when the minimum payment due is paid by the due date for six months in a row. This bonus is equal to 5% of the Interest Charges shown on your next billing statement in the Interest Charge Calculation section. Redeem Rewards Deposit into your bank account or credit your Discover card account. Turn your cash rewards into more when you redeem for gift cards or eCertificates from over 100 brand-name Partners. Fees and APR No annual fee. Intro APR: 0% introductory APR for first 15 months, then purchase APR. Purchase APR: 10.99-20.99% (Variable), depending on the strength of your credit history. Balance Transfer APR: 0% for first 15 months, then purchase APR. Intro fee of 3% of the amount of each transfer for transfers that post to your account by 2/10/2012 After that, either $10 or 5% of the amount of each transfer, whichever is greater. Apply for Discover® Motiva Card

Card Details:

Purchase APR:	0% for first 15 months, then 10.99-20.99% (Variable)
Features:	.25% to 1% cash back on all purchases; cash bonus when you pay your bill on time for six months in a row
Annual Fee :	None
Credit Needed:	Good

NextAdvisor Credit Cards Blog Headlines

Can I Use the AppliedBank Secured Visa Gold Card Internationally?
Q: I will be traveling to Australia in July, could I use the AppliedBank Secured Visa Gold Card�there? How would I deposit funds for the card? A:� Yes, you can use the AppliedBank� Secured Visa� Gold Card in Australia. According to the�card agreement, cardholders are able to use the card in countries outside of the [...]

What Is a Good Credit Card for a 21 Year Old Trying to Establish a Credit His...
Q: �Is the Orchard Bank Mastercard a good choice for someone who is trying to establish credit? I have a 21 year old who would like to apply for a�credit card�to get credit established. A: �The Orchard Bank Mastercard is a good choice for helping to establish or build credit history. That's because it reports [...]

Will the Orchard Bank Credit Card Help Improve My Credit?
Q: Will the Orchard Bank credit card help improve my credit? A:� Yes, the Orchard Bank credit card can help improve or rebuild your credit history but you'll have to do your part too. By reporting your credit card payment history to all 3 credit bureaus, Orchard Bank can help boost your credit. And it [...]

Disclosure: NextAdvisor.com is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most of the services we review. Our editors thoroughly research and whenever possible test each service we review and offer their honest opinions about each one. We are independently owned and operated and all opinions expressed on this site are our own.

Discover® Motiva Card Review: Credit Cards

All Services Reviewed:

Popular Services Reviewed: