Offered by: Discover® Card
| Purchase Intro Rate | 3.99%* |
| Purchase Intro Period | 12 Months* |
| Balance Transfer Intro Rate | 3.99%* |
| Balance Transfer Intro Period | 15 Months* |
| Regular APR | 11.99% - 20.99% (Variable)* |
| Balance Transfer Rate | 11.99% - 20.99% (Variable)* |
| Cash Advance Rate | * |
| Annual Fee | None |
| Late Fee | See Terms* |
| Cash Advance Fee | See Terms* |
| Balance Transfer Fee | See Terms* |
Discover® MotivaCard features:
Additional Details: Click here for Additional Details (Will launch in a new browser window)
See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer Now" button, you can review the credit card terms and conditions on Provider's website.
Ideal for those with Good Credit:
AVERAGE Credit Score Approved for this Card
LOWEST Credit Score Approved for this Card
† Credit Karma members have received approvals with these credit scores. Please note that because other factors such as income and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.
User Voting
Percentage of users who think this is a good offer. Your vote counts!
Take Rate
Higher take rate values indicate more popular offers.
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I applied for this card to boost my credit score. I had a Sears card and opt out of the rise to 24.8% rate. Therefore, I needed to compensate the lost with another credit card, I don't want to mess up my FICO score. That is all the count in this economy!! By the way this card gave me a $6,000 credit limit.
wcwish 11 months ago
Hi, Could you pls tell me how much was your credit score according to creditkarma when you applied for Discover and got 6k Credit limit?
Thank you in advance..
indu 11 months ago
I too, am interested in what your credit score was. I'm skeptical about applying for a credit card, being denied and enduring another hard inquiry hit.
JohnHoer 10 months ago
seems that with most of these CK offers, you still need a debt to limit ration below 20%, average account age of 5 yrs, no BK, score over 740. If you don't meet these four minimum requirements, your high income, good employment and payment history, and other possible positive factors are irrelevant. The ridiculous thing about CK is that it has this information and it's still handing out offers to those that don't meet the minimum requirements. Which prompts us to ask the question, why is CK making these offers to those who are unlikely to be approved?
The answer is simple, CK gets paid like most websites by having visitors click on the links the advertisers provide. Sad but true, CK is not doing what the name suggests; CK basically gives offers to everyone here regardless of the info they already have on them; in doing so it hurts more people than it helps b/c the resulting denials, hard inquiries and low credit limits that result from these "preapproved offers" only hurt scores.
submarine11 2 months ago
Im encouraged to take this offer by CreditKarma,Then Im Declined! Hows that for a Nice Credit Score Decreaser.
Kirk726 11 months ago
The initial offer was declined, but I was made another offer (with a higher interest rate - the only difference) for which I was instantly accepted.
Horkstanty 11 months ago
I recieved this offer and I do have 2 credit cards that are maxed and paying on them and need one for emergencies. So I took this offer and I was denied so my opinion is that credit Karma is not accurate in picking credit card offers.
dancer1479 10 months ago
its not credit karma, you have 2 cards that are maxed out... they see you as not able to pay them back. pay off ur credit cards and try again....
sonic4031 10 months ago
Thats true. These offers that credit karma offers aren't guaranteed. Plus you do have two maxed out credit cards so what do you expect?
chris91 8 months ago
He expects CK to be able to take into account his debt to limit ratio since it's calculated by CK. There's no reason why CK shouldn't consider DTLR in making its recommendations. Your telling him, "you have 2 maxed out cards, what do you expect?" Is easily answered by, I expect CK to take into account the information that it already has which includeds the 2 maxed out cc's before telling someone to apply for a credit card that will deny you for having 2 maxed out credit cards. Especially when the main reason for making BT's is maxed out cc's. Historically, BT offers were offered to those with high cc balances who needed to make the transfers. To say that he should expect to be declined for a BT offer b/c of a high cc balance is not counter to historical fact although it does reflect the current practice of some banks today that seem to have idiots managing their authorization depts.
submarine11 2 months ago
Just like all the others, they say they are willing to give credit but they don't. You pretty much have to have a high 700 score to get anything..
cplhott 10 months ago
DECLINED 747
christoofar 10 months ago
Wow i guess that counts me out i have a 730
turbosb2 10 months ago
Approved 713
jcdismukes 10 months ago
I have a 673 through CK, so you can bet I'm not about to apply for this one.
VP2009 10 months ago
I too applied for the card and was declined.. Go figure... There goes another ding for me on my credit.
kvm109 10 months ago
Orchard sent me a pre-approved, I accepted via the company website, it is showing as a HARD inquiry. I intend to call and try to make them fix it.
Isn't a pre-approved offer automatically a soft inquiry?
billpfister 2 months ago
Soft inquiries, such as the offer they sent to you does not count against your score. Once you accepted the offer online, it now becomes a hard inquiry and therefore will reflect on your credit report.
aml84122215 1 month ago
Applying for credit Card offers carry repercussions to reports & scores. How can i realistically accept anything from Credit Karma? Credit Karma should devise a way for members to apply WITHOUT these repercussions. Make it safer for members.
amperstan 10 months ago
What you are requesting does exist. Companies like Orchard Bank perform a soft pull pre-screen.
CK Moderator