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The Discover® Motiva(SM) Card, issued by Discover, is designed for those with very good credit who are looking to earn cash rewards by paying on time and making purchases.

Through the reward program, cardholders earn a 5% to 20% Cashback Bonus® at top retailers through Discover's exclusive online shopping site, and they get up to a 1% Cashback Bonus® on all other purchases.

There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period.

Cardholders will also be eligible to earn a pay-on-time bonus. Each time cardholders make six on-time payments in a row they will receive a credit towards the payment of their next month's interest. Cardholders will be eligible to receive the pay-on-time bonus twice a year, every year monthly payments are received on time.

The card has no annual fee, an attractive 3.9% introductory rate on purchases for six months, and a 3.9% introductory rate on balance transfers for twelve months. The APR for this card is reasonable for those who qualify.

In additiom to the reward program, the Discover® Motiva(SM) Card also provides several cardholder benefits, including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services.

Therefore, those who plan to spend over $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating online retailers (to earn additional cash rebates), plan to pay in full each month after the introductory rate expires (to avoid costly finance charges), and pay on time every month will benefit most from what the Discover® Motiva(SM) Card has to offer.

*It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will be applied only to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers.

Type of card: Personal

Introductory apr rate description: 3.99% Intro APR*

Introductory apr months: 6

Purchases apr rate: $10.99

Cash apr rate: $23.99

Fee: $0.00

Max reward: 20%

Best: No annual fee; low introductory rate; reward program.

Worst: Higher APR for less qualifying applicants.

Perks: Various Internet account related services. Fraud and security protection services. No liability for unauthorized transactions. Up to $500,000 in flight insurance. Auto rental insurance. Access to Pay-On-Time Bonus. Access to 5%-20% Cashback Bonus at top online retailers through Discover's exclusive online shopping site. Flexible payment due dates. See website for additional benefits.

Notations: *The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 10.99% - 18.99%. See website for complete terms and conditions of card usage and application disclosure.

Additional description:

• 5% to 20% Cashback Bonus® at Top Online Retailers*
• Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
• Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
• Free Payment by Phone or Online-Even on Your Payment Due Date
• Choose a Payment due Date That Meets Your Needs
• No Annual Fee
• Online Account Access
• *View Discover® Card Rates, Fees, Rewards, and Other Important Information