Review of Discover Motiva Credit Card

When it comes to the spending habits of consumers, one cannot be sure of a trend that will follow over the years. But when it comes to the spending habits of consumers with regards to credit and financial independence, credit cards have won hands down over a period of decades. The Discover Motiva Card has excelled in servicing the spending habits of consumers. The taste and the habit of the customers have generally made it very easy for the Discover Motiva Card to conquer the consumer markets, and even their hearts. Let us take a look as to how this has happened!

Some of the most striking features of the Discover Motiva Card are mentioned below

The Annual Percentage Rate (APR) for Purchases is 3.9% until the last day of the billing period ending during July 2008; then the standard APR, a rate between 10.99% and 18.99%, while the other APRs Balance Transfers: 3.9% until the last day of the billing period ending during January 2010; then the standard APR for purchases. The Default Rate: Up to 28.99%, and the Cash Advances make up to 20.99%. The most captivating feature of this card is that the Grace Period for Repayment of the Balance of Purchases is at least 25 days when you pay your balance in full each month. The Method of Computing the Balance for Purchases is Average Daily Balance (including new purchases). There is no annual fee whatsoever.

The balance transfer transaction fee is 3% for each balance transfer made under this offer, with the minimum of $10 and a maximum of $75. The cash advance transaction fee works up to 3% for each cash advance, with a minimum of $5 and no maximum. The late fee is decently poised at $15 on balances up to $500, and $39 on balances over $500. For billing periods ending after 10/1/2007, $19 on balances up to $250 and $39 on balances over $250. The over limit fee works out to be at $15 on balances up to $500, and $39 on balances over $500.

In case if you are late making a payment, we may increase your APRs to the Default Rate. Your Default Rates are determined based on factors such as your current purchase APR, your payment history with us and your general credit history. See Cardmember Agreement for details.

With the Discover Motiva Card you can earn unlimited cash rewards. Each time you pay at least the Minimum Payment Due by the Payment Due Date for six consecutive billing periods and earn a Pay-On-Time BonusSM equal to the Periodic Finance Charges shown on your next statement. In addition, earn a full 1% Cashback Bonus on each purchase after your total annual purchases exceed $3,000; purchases that are part of your first $1,500 earn .25% and purchases that are part of your second $1,500 earn .50%. Purchases made at select warehouse clubs, discount stores and their affiliates earn .25%. Rewards are redeemable in $20 increments.

One of the most outstanding features of the Discover Motiva Card is that the Scheduled Air Travel Accident Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, PA. Certain limitations and exclusions apply. Secondary Rental Car Collision Coverage is an insurance program. The Discover Motiva Card is a unique offer of financial freedom as well as the beauty of good services and great benefit points. Apply for Discover Motiva Now!

Apply for Discover Motiva

Get rewarded for paying your credit card bills on time today and apply for the Discover Motiva credit card. You deserve to be treated well for making payments when you are required to!

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