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Discover® Motiva(SM) Card

Offered by: Discover® Card

19 comments | Comment on this offer

Details

Purchase Intro Rate	3.99%*
Purchase Intro Period	6 Months*
Balance Transfer Intro Rate	3.99%*
Balance Transfer Intro Period	Up to 12 Months*
Regular APR	as low as 11.99% Variable*
Balance Transfer Rate	as low as 11.99% Variable*
Cash Advance Rate	*
Annual Fee	None
Late Fee	See Terms*
Cash Advance Fee	See Terms*
Balance Transfer Fee	See Terms*

Discover® Motiva(SM) Card features:

Cash Rewards for your good credit management!
Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a rowâ€”twice a year, every year
5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping 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 our 100 Cashback Bonus Partners
3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers*

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.

Comments

(19 Total Comments)

CK score 713, not approved. due number of credit bureau inquiries and INSUFFICIENT CREDIT LIMITS OF ALL ACCOUNTS. it's a good offer and good rewards, if you're approved."

JSidener at 1:14 pm Jan 23

Only apply for credit if you need it. Not because its offered to you."

totall62 at 2:42 pm Dec 17

although I have alot of outstanding credit, my payment history with them is 100%. I too was declined for this offer despite my ability to pay, and a 668 score.sa12/07"

SUPERSUE at 9:09 pm Dec 7

You already have a Discover? We have seen that existing cardholders are often declined.

CK Moderator

It's not about score as much as debt to income! You can have a lower score but a good debt to income and get a card. On the other hand, you can have a great score, but if you have a high debt to income ratio don't wast your time or the hit on your credit! That probably goes for pretty much any card, unless you want a really low credit limit!"

ericdjungst at 3:46 pm Nov 5

This is partially true. Your DTI and overall income will affect your credit limit. However if you have bad credit, no amount of income will get your approved under normal underwriting. There are special relationships and other methods to get approved if you are a high value customer.

CK Moderator

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 at 7:30 pm Oct 26

What you are requesting does exist. Companies like Orchard Bank perform a soft pull pre-screen.

CK Moderator

I too applied for the card and was declined.. Go figure... There goes another ding for me on my credit."

kvm109 at 6:15 am Oct 22

I have a 673 through CK, so you can bet I'm not about to apply for this one."

VP2009 at 9:49 am Oct 19

Approved 713"

jcdismukes at 7:57 pm Oct 16

DECLINED 747"

christoofar at 12:19 am Oct 16

Wow i guess that counts me out i have a 730"

turbosb2 at 9:23 pm Oct 16

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 at 9:27 pm Oct 8

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Credit Score Approval Data

Ideal for those with 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.