DISCOVER MOTIVA CARD
Discover Motiva Card (Poor Credit Rating Card)Discover Card
        
The Discover Motiva Card is a card that pays you back for paying on time. You can earn 2 months interest back each year when you pay on time every month. In addition they offer an introductory APR rate of 0% on purchases and balances for 15 months.
Advantages:
1. Earn Cashback Bonus for your good credit management
2. 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
3. Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
4. Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
5. 24/7 access to a U.S.-based Account Manager within 60 seconds
6. $0 Fraud Liability. You're never responsible for unauthorized charges on your Discover card account, plus mobile and email fraud alert options
7. Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
Disadvantages:
1. 0% for 15 months from the date of account opening, then the standard APR, a rate between 10.99% variable and 20.99% variable.
2. Foreign Currency Transaction Fee is 2% of the U.S. dollar amount of each purchase made in a foreign currency
3. Balance Transfer Fee of 4%
Services:
The Discover Card cash rewards program is called the Cashback Bonus Program. The new Discover Motiva Card makes it easy to earn Cashback Bonus in 2 waysóby paying on-time and making purchases. You'll earn up to 1% Cashback Bonus on every purchase. You can also earn a Pay-On-Time Bonus for making your payments on-time. There is no limit to the amount of Cashback Bonus you can earn!

APR: 0% (15 Months) 10.99% - 19.99%Credit Limit: Varies
Credit Rebuild: NoChip and Pin: No
Under 18: NoSMS Banking: No

Fees:
$0 p.a
Cash Back:
1%
Cash Advances:
24.99%
Balance Transfer:
0% (15 Months) 10.99% - 20.99%
New Purchase:
0% (15 Months) 10.99% - 20.99%
        

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