Get Rewarded for Your Good Credit Management
Introducing the only card with Pay-On-Time-Bonus.
The only card that gives you a full month's interest back for on-time payments. Now your good credit management really pays off!
With the new Discover Motiva Card, your good credit management earns you cash rewards. Just make 6 on-time payments in a row and we'll pay you the next month's interest back as a Pay-On-Time-Bonus. That's twice a year, every year when you pay on-time every month!

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	Discover® MotivaSM Card
	• Cash Rewards for your good credit management!* • 3.9% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers • Get a Pay-On-Time BonusSM equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year • 5% to 20% Cashback Bonus® at top online retailers through our exclusive online site • Up to 1% Cashback Bonus on all other purchases • Unlimited cash rewards • Increase, even double, your rewards when you redeem for gift cards from over 100 Cashback Bonus Partners • Easy online account options that put you in control • $0 fraud liability guarantee • Fraud specialists dedicated to helping you 24/7 • Secure online account numbers • Timely e-mails to help you avoid fees • *View Discover® Card Rates, Fees, Rewards and Other Important Information Intro APR Intro Period Annual Fee 3.9% Up to 12 Months* None Click here to Apply Now or Learn More...

Discover® MotivaSM Card Short Review If you have very good credit and are looking for a cash back reward card, then the Discover® MotivaSM Card may be the right card for you. Through the reward program, you'll earn a .25% rebate on general purchases up to $1,500, a .5% rebate on purchases between $1,500 and $3,000, and a 1% rebate on purchases over $3,000. You can also earn a 5%-20% Cashback Bonus at participating online retailers through Discover's exclusive online shopping site. Cardholders will also be eligible to earn the pay-on-time bonus each time cardholders make six on-time payments in a row. You'll receive several cardholder benefits including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services. There's no annual fee, an attractive 0% introductory rate on purchases for six months, and a 3.9% rate on balance transfers for 12 months. The APR for this card is reasonably low for those who qualify. Safe and secure online application with SSL encryption technology.

Pay-On-Time Bonus Frequently Asked Questions Q: What is a Pay-On-Time Bonus? A: Pay-on-Time Bonus is a type of Cashback Bonus that you earn for making your payments on-time. Each time you make 6 on-time payments in a row, we'll pay you the next month's interest back as a Pay-On-Time Bonus. An on-time payment means paying at least the Minimum Payment Due by the Payment Due Date. Your statement will display the remaining number of on-time payments you need to earn a Pay-On-Time Bonus. The amount of your Pay-On-Time Bonus will be included on your statement in the Cashback Bonus Summary section, along with the cash rewards you've earned on purchases. Q: How can I earn a Pay-On-Time Bonus twice a year, every year? A: When you have a Minimum Payment Due every month and you always pay it by the Payment Due Date, over the course of a 12-month period, you will earn a Pay-On-Time Bonus twice! Q: What do you mean by "a full month of interest back"? A: The interest used to calculate your Pay-On-Time Bonus is the combined Periodic Finance Charges on purchases, balance transfers, and cash advances shown on your billing statement in the Finance Charge Summary section. The amount of these Periodic Finance Charges will depend on your current balance, Annual Percentage Rates and payments and will not include any Transaction Fee Finance Charges. Q: Will I still earn a Pay-On-Time Bonus if I forget to make a payment? A: You must make 6 on-time payments in a row to earn a Pay-On-Time Bonus. Each time you make a late payment, pay less than the Minimum Payment Due (or make no payment at all) or your payment is returned unpaid, you will lose the number of on-time payments previously made. Your next statement will display that you must make six on-time payments to earn a Pay-On-Time Bonus. Q: What if I don't have a Minimum Payment Due? A: The number of on-time payments you have remaining until you are eligible for a Pay-On-Time Bonus will not change when you do not have a Minimum Payment Due (for example, because you paid your balance in full during the previous month). When you make your next required payment on-time, it will count toward earning your Pay-On-Time Bonus. Safe and secure online application with SSL encryption technology.

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