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Discover® Motiva CardQuick Summary:
This is a cash back rewards card issued by Discover Card. This card is intended for consumers, or "personal use" with a good to perfect credit history. APR's may vary among applicants, however the lowest standard APR is 10.99%* and may be as high as 20.99%* (Variable)*, depending on your credit worthiness*.Important Rates:
There is a balance transfer offer APR of 3.99% for 15 Months *.There is also a purchase introductory APR of 0.00% for 15 Months*. Be cautious that some card issuers may charge higher rates and fees for cash advances.
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 7.74% to the U.S. prime rate.
There is no annual fee for this card.* Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases. Credit Record Needed:
Applicants should have good credit for increased chances of approval. Other Basics:
The grace period listed for the Discover® Motiva Card is at least 25 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date. Approval Rate:
There were 10 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 70% of those applicants were approved.
The approval rate for this card is moderately high. Approval Time:
Approval time for this offer is not listed. You could expect a possible instant decision, but you should expect a final credit decision within 1-2 weeks. Offer Details: - Earn Cashback Bonus® for your good credit management
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic 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
Rewards
and Benefits:Customer Service That Puts You First
- Double Cashback Bonus on grocery store purchases in November and December*
- One call, we take care of it
- Talk to a knowledgeable person in less than a minute
- Easy online Account options that put you in control
- Timely e-mails to help you avoid fees.
* Please see the 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.
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Consumer Card Rate Comparison
| APR | 10.99%* - 20.99%* (Variable)* | | Avg. APR | 15.86%** | | Annual Fee | $0* | | Avg. Annual Fee | $6.72** | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
Options:
View rates and fees for all cards.
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