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Discover® Motiva(SM) Card

15 comments

Offered by:
Discover® Card

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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	11.99% - 18.99%*
Balance Transfer Rate	11.99% - 18.99%*
Cash Advance Rate	*
Annual Fee	None
Late Fee	See Terms*
Cash Advance Fee	3%, $5 minimum *
Balance Transfer Fee	3%*

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.

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USER COMMENTS(15)

ericdjungst
Nov 5
3:46 pm

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!

CK Moderator

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.

amperstan
Oct 26
7:30 pm

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.

CK Moderator

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

kvm109
Oct 22
6:15 am

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

VP2009
Oct 19
9:49 am

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

jcdismukes
Oct 16
7:57 pm

Approved 713

christoofar
Oct 16
12:19 am

DECLINED 747

turbosb2
Oct 16
9:23 pm

Wow i guess that counts me out i have a 730

cplhott
Oct 8
9:27 pm

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..

dancer1479
Oct 8
4:25 pm

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.

sonic4031
Oct 22
1:32 pm

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....

Horkstanty
Sep 29
7:53 am

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.

Kirk726
Sep 26
2:57 pm

Im encouraged to take this offer by CreditKarma,Then Im Declined! Hows that for a Nice Credit Score Decreaser.

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