Cash back credit cards let you earn a certain amount of rebate when you spend on them. The Discover Motiva Card, issued by Discover Financial, not only gives you rebates when you spend on the card, it also rewards you if you make all your payments on time.

Here we’ll do a detailed review of the Discover Motiva Card, one of many cash back credit card offers in the US, and tell you how we rate this card.

Things We Like About This Card

No annual fee. You won’t have to pay an annual fee to enjoy the perks of this card.

Get rewarded for making on time payments. This is one of the best benefits of this card, since it will get you in the habit of paying your bills on time by rewarding you for doing so. To get rewarded, you will have to make 6 on-time payments in a row. By doing this, you will earn a credit amount equivalent to a full month’s interest.

0% introductory APR on balance transfers. For the first full 15 months, you will enjoy an introductory APR on balance transfers of 0%. After that your APR will be between 10.99% – 20.99% depending on your credit score.

0% introductory APR on all your purchases. You will also benefit from having a 0% introductory APR on all your purchases for a whole 15 months, after that you will have to pay the regular APR, which is between 10.99% – 20.99% depending on your credit score. Remember that even though you’re in an introductory period and your APR is 0%, you should still make your payments on time, since you will be rewarded for it by your card.

Get up to 1% cash back on all other purchases. If you spend less than $1,500, you will receive 0.25% in cash back for your purchases. If you spend from $1,500 to $3,000, you will receive a rebate of 0.50% and if you spend more than $3,000, you will receive 1% cash back on your purchases after you spent $3,000. For example if you have spent $5,000, only $2,000 will be eligible for the 1% rebate. You can also earn 0.25% cash back when shopping at certain discount stores and warehouse clubs. You might think this will only work for you if you’re planning on spending a lot of money throughout the year with the card, but even if you’re not, you will still receive a small rebate.

Receive 5% to 20% cash back bonus when you shop through Discover’s online shopping site. This offer could really benefit you and could also help you save a lot of money. You will receive these big rebates of 5% to 20% when shopping at their online mall. You will be able to enjoy these high percentage rebates as many times as you shop at their online mall, as long as you have been using your card in the last 3 years.

Redeem your cash back bonus for merchandise, gift cards or cash. With over 100 brand-name retail partners, there is always something to choose from.

No limit to the amount of cash back bonus you can earn. Your rebates also never expire as long as your account is active within a 36 month period.

Up to $500,000 in flight accident insurance. You are covered for flight accidents when you purchase an airline ticket with your Discover Card.

Free auto rental insurance. When you rent a car using your Discover Card, you are insured up to $25,000 of secondary collision damage. Remember to decline the coverage offered by the car rental company.

Talk to a real customer service representative on the phone. If you need help, just call and you will talk to a real person within 60 seconds.

Automatic bill payment. You can earn rewards for paying your monthly household bills with your card, month after month.

Our Least Favorite Things About This Card

Only receive 1% cash back after you spend more than $3,000 a year. You only start receiving the 1% rebate on all your purchases after you spend more than $3,000 for the year. For example, if you only spend $3,500 during the year, you will only receive the 1% rebate on $500 and smaller rebate percentages for the first $3,000. So if you’re not planning on spending more than $3,000 for the year, you will get a smaller amount in cash back percentage and might not end up saving so much money.

Doesn’t offer 5% cashback on quarterly rotating categories of purchases, unlike the Discover More Card.

Our Verdict: 4/5 Stars

The Discover Motiva Card is quite an attractive card since you will get many rewards and cash back when you spend on it. You also get rewarded for paying all your bills on time. Remember that you have to spend more than $3,000 a year with it to obtain the 1% cash back, but if you think you will spend more than $3,000 with it every year, it will be useful for you. This card comes with an introductory 0% APR on balance transfers and purchases for a limited period of time.

The Discover Motiva Card is not the best cash back credit card, so if you are looking for one that gives you maximum cash back benefits, you should go for the Discover More Card as it gives you up to 5% cash back on rotating categories.

For more details about the Discover Motiva Card, click here to go to Discover’s official website.

• Credit Card Name
• Reward Type
• Introductory APR
• Typical APR
• Annual Fee

• Discover® Motiva Card
• CashBack
• 0% Introductory APR*
• 10.99% - 20.99% (V)*
• $0

• Earn Cashback Bonus for your good credit management
• 0% Intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
• Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
• Discover is ranked #1 in customer loyalty - 16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index Report)
• 24/7 access to a U.S.-based Account Manager within 60 seconds
• $0 Fraud Liability plus mobile and email fraud alert options
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
• *Click apply to view rate, fees, rewards, limitations and other important information

• Additional Rebates: Earn a 0.25% rebate at select warehouse clubs and discount stores. Earn 5%-20% Cashback Bonus® at participating top online retailers through Discover's exclusive online shopping site. Plus, each time you pay at least the Minimum Payment Due for each billing period, you may earn additional Cashback Bonus®.
• Rebate Details: Earn 1% rebate on purchases after your total annual purchases exceed $3,000; purchases that are part of your first $3,000 earn .25%. Cardholders will also earn .25% rebate on purchases made at select warehouse clubs, discount stores and their affiliates. Rewards are redeemable in $20 increments only.
• Additional 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.

• 0% intro APR on balance transfers for a full 15 months, and 0% intro APR on purchases for a full 15 months. See terms and conditions for complete details.

• APR For Purchases: 10.99% - 20.99% (V)*
• APR For Cash Advances: 23.99%

• Annual Fee: $0
• Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
• Balance Transfer Fee: 3% of the amount of each transfer.
• Over The Limit Fee: n/a
• Late Payment Fee: Up to $35

Read Our Review Of Discover® Motiva Card

Would you prefer a card that gives you maximum cash rewards for all your purchases? Then apply for the Discover More Card, which gives you up to 5% cash back on purchases (read our Discover Card review).

Click here to go to Discover’s official application to apply online for the Discover More Card – $100 Cashback Bonus now.