Discover More vs. Discover Motiva

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Discover More Credit Card Versus Discover Motiva Credit Card

This card is no longer available. If you’re looking for a Discover card, check out the Discover it®.

The Discover More and the Discover Motiva credit cards are very close in every aspect, including fees, interest rates and rewards. Only upon close examination of the features and benefits can you spot the subtle differences.

Discover Card has a positive history with their customers and knows how to appeal to them; they offer cash instead of points as rewards for specific behaviors. However, some cards do require calculating miles for redemption, like their travel credit cards.

At first glance, you may have a difficult time comprehending the distinctions that separate the Discover More credit card from the Discover Motiva credit card. Even their names begin with the same letter. However, your choice will matter once you realize how their rewards process works.

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Take the Discover Motiva card first, notice the 5% cash back option and how it applies.

To benefit from using the Discover Motiva you must be very good at managing your finances and send your payments in faithfully each month, on time.

Discover Motiva Credit Card Terms

  • Annual Fee: $0Discover Motive Credit Card
  • APR: 0% introductory rate during the initial 15 months, afterwards 10.99% to %19.99%
  • Balance Transfer APR: 0% introductory rate during the initial 15 months, afterwards 10.99% to %19.99%
  • Balance Transfer Fee: 3% for every individual transfer
  • 5% cash return from interest charges
  • Up to 20% cash return using Discover’s Internet shopping center

If you miss a month or your payment posts even one day past the due date, you forfeit your eligibility for the month. Discover credits your finance charges or interest up to 5%. If you do not have any of these charges, you simply accrue the cash value.

For this reason, people who select this credit card generally utilize the automatic payment method through their financial institution. This is a surefire way to make sure Discover records the monthly payment.

The More credit card is simpler, to receive 5% cash back with this credit card, all you do is carry it and use it wherever you go. Of course, there are specific categories in which Discover tells you where they prefer you transact business, such as when you are dining out and filling your tank.

However, every three months, Discover More credit card customers receive a calendar to help them along in their purchases. For example, from January through March, you may receive cash back when you use your More credit card at the movies or museums, in addition to other department stores and boutiques. This is probably the easiest way to ensure you receive your bonus on a monthly basis.

Discover More Credit Card Terms

  • Discover More CardAnnual Fee: $0
  • APR: 0% introductory rate during the initial 15 months, afterwards 10.99% to %19.99%
  • Balance Transfer APR: 0% introductory rate during the initial 15 months, afterwards 10.99% to %19.99%
  • Balance Transfer Fee: 3% for every individual transfer
  • 5% cash return when using your card on these items:
  • Department store purchases
  • Gas stations
  • Restaurants
  • Up to 20% cash return using Discover’s Internet shopping center

Discover More and Motiva Customer Reviews and Opinions

Discover Card owners have high expectations and rate both the More and Motiva with exceptional rates and reviews. Overall satisfaction received 4.5 out of 5. The areas they scored consisted of the rewards program, built-in benefits, online access and customer service.

Most appreciate the convenience of the options, especially the opportunity to chat live with agents, rather than making a telephone call. They also like the simplistic layout of the website and the ease of use with both credit cards.

Major Benefits and Advantages of Discover More and Motiva Credit Cards

The major benefits and advantages of using the Discover More and Motiva Cards include the ability to donate rewards to charitable organizations.

Instead of redeeming the rewards for personal use, you can choose from one of the many charities and make a significant difference in the lives of many.

This is also yet another similarity.

It one of the most selfless acts you can do and in return, Discover Card increases your donation by calculating the organization with the largest donation and adding another $25,000. Over the years, the lucky recipients included well-known places, like The Red Cross and the American Cancer Society.

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

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