Credit Cards Compare

The purpose of the Motiva Card by Discover is to provide a reward for customers who pay their bills on time.

Pros: The Motiva Card by Discover offers a very unusual reward. I haven’t seen this kind of reward offered by any other credit card company. The idea of the Motiva Card by Discover is that if a customer pays on time for six months in a row, Discover will pay your next month’s interest back to you. This is done twice a year. It would be a good value for those who carry especially large credit card balances from month to month. For those who do not ever carry a balance, it would be of no value at all, however.

The Motiva Card by Discover also offers a 5% to 20% cash back bonus at top online retailers through the Discover online shopping site and up to 1% cash back bonus on all other purchases. You can increase or even double your rewards when you use them to buy gift cards at any of the more than 70 cash back bonus partners.

Cons: The Motiva Card by Discover benefit will only benefit those who carry an outstanding balance.

Guarantee: There is no guarantee and none would apply.

Value for money: The Motiva Card by Discover is a good value for those who carry credit card balances.