Discover Motiva Card Rewards Customers For Good Credit Management
Below is a MRR and PLR article in category Finance -> subcategory Wealth Building.
Discover Motiva Card: Rewards for Responsible Credit Management
Introduction
The newly introduced Discover Motiva credit card is crafted to reward customers for responsible financial behavior. With its pay-on-time bonus and cash back features, it offers two exciting ways to earn rewards, even if you're not a big spender.
Pay-on-Time Bonus
Discover Motiva cardholders can earn bonuses by making timely payments. Paying at least the minimum amount due before the deadline qualifies you for this reward. If you make on-time payments for six consecutive months, you'll receive a pay-on-time bonus equivalent to a month's interest back. Over a year, you could earn two such bonuses, effectively enjoying two interest-free months. This is a great way for Discover to appreciate customers who manage their credit wisely.
Cash Back Rewards
The card also offers a robust cash back program. Cardholders can earn up to 1% cash back on all purchases. The rewards can be redeemed in various ways, including applying them directly to your monthly statement to reduce your balance. Plus, you can increase your rewards by opting for gift cards from over 70 top brands, doubling your cash back bonuses.
Additional Cash Back Opportunities
Through Discover’s online shopping portal, cardmembers can earn 5-20% cash back with retailers like Target and Barnes & Noble, providing even more chances to save.
Flexible Features
Discover Motiva offers flexible features to make payments easier. Cardholders can choose their payment due date, fitting their financial schedule. Free email reminders alert customers about upcoming due dates, helping them avoid costly fees.
Payments can be made online or by phone, even on the due date, without extra charges, making it easier to qualify for the pay-on-time bonus.
Other Benefits
The Discover Motiva card comes with no annual fee and boasts a 3.9% introductory rate on purchases. It also offers a 3.9% APR on balance transfers until 2010, with a relatively low regular APR for those with good credit.
Conclusion
For years, Discover has been committed to rewarding its cardholders. Now, with the Motiva card, they're addressing the needs of those who felt other reward programs favored high spenders. This card is perfect for those with good credit who want to be acknowledged for their responsible financial management, without needing to make large purchases.
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