Discover® Motiva(SM) Card

Pay-On-Time Bonus® equal to a full month’s interest added to your Cashback Bonus account 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 Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners Free payment by phone Automatic email reminders when a Payment Due Date is nearing or when a payment has been made No Annual Fee Online Account Access Online Bill Payment CLICK HERE TO APPLY ONLINE *View Rates, Fees, Rewards and Other Important Information

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 3.9%* 6 months on Purchases & 12 months on Balance Transfers As low as 11.99%* None* Yes* Excellent Credit*

Review: Discover® Motiva(SM) Card

Type of credit needed: Good Credit

Type of card: Rebate/Rewards

Issued by: Discover®

Overview: Cardholders qualify for a rebate each time the Discover Motiva Card is used to make a purchase. Shopping through Discover’s online shopping site can allow the cardholder to earn generous bonus rebates. The rebate awarded for general purchases varies. Higher rebates are awarded when certain spending levels are reached on the card. There are no expiration dates on active accounts, and no rebate limits. This card also rewards individuals for making payments on time. When a certain number of on-time payments are made, a bonus is issued. This credit can be used towards any interest charges that appear on the following month’s statement. There is no annual fee for this card, a low introductory APR for purchases and balance transfers, and a reasonable APR after the introductory term with good credit. Benefits like Internet account access are included with the Discover Motiva Card.

Pro and cons of the card:

Pros:

• Earn rebates on all purchases
• Earn bonus rebates for shopping on Discover’s online shopping site
• Rebates do not expire on active accounts
• No limits on rebate earnings
• Earn statement credits for making payments on time
• Use bonus credits towards interest charges
• No annual fee
• Introductory APR for purchases and balance transfers
• Reasonable APR after introductory term with good credit
• Benefits like Internet account access are included

Cons:

• Minimum spending levels must be met to qualify for maximum rebate
• On-time payment bonuses can only be used towards interest
• Variable APR depending on credit history
• Late payment and over-the-limit fees
• Balance transfer and cash advance fees

Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now! Credit Card will be charged, if Membership NOT cancelled!!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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* See the online Motiva.discovercard.com (www.motivadiscovercard.com) credit card application for details about terms and conditions and offers.