Earn Cash Back Bonus for Your Good Credit Management from Discover Motiva Card

It does pay to be punctual on your monthly dues. Discover Motiva Card is the perfect credit card partner for those who never fail to make on time payments. And because of this good credit management, you may get big cash-back bonuses for doing so.

Good Credits Finish First

When you get your very own Discover Motiva Card, you get to enjoy many benefits.

For the cash rewards, you automatically get 5% in interest charges for every month that you make on-time payments. This bonus will be automatically shown on your next month’s billing statement. This interest charge is variable, depending on the APR, payments, and current balance.

On other purchases, you may earn up to 1% in cash back bonuses. However, the annual total of all such purchases must exceed $3,000 in order to get this reward. For any other purchases made before reaching this given amount, a cash back bonus of 0.25% is given. The same reward is given to purchases from exclusive and partner warehouses, such as discount stores, warehouse clubs, or wholesale distributors.

Another way for you to earn cash bonuses is by shopping at their affiliated online mall. There are about 157 partner stores to choose from. This bonus can go as high as 5-20%. There is no expiration date for the points you earn, but you must make sure the account is kept active for 18 consecutive months. Otherwise, your rewards will be forfeited. The same consequence will be given if payments for two billing periods are not made.

If you do not wish to withdraw this cash bonus, you can use it for some other purpose. Use the rewards to get yourself a gift certificate, give to charity, or buy Partner gift cards and merchandise.

As a Discover Motiva Card member, you get to enjoy zero annual fees, as well as a low 3% balance transfer fee for outside transactions.

The introductory APR is 0% for the first 15 months. This increases to the variable standard of 10.99%-19.99% thereafter. This is the same offer they give out for Balance transfer APRs. The variable APR depends on your credit standing and worthiness.

The due date for paying the fees is 25 days from the release of the billing statement. But as mentioned, if you meet this deadline earlier than you should, the cash back bonus is all yours.

This is the perfect card for all the early-birds out there. If you’re good with credit, the Discover Motiva Card will reward you more than you’ll ever know.


Best Cash Back Credit Cards 2011

Let’s face it, credit cards are as much a part of our lives as cash. We perpetually have it in our wallets, we use it to make the simplest purchases such as groceries, and sometimes we wouldn’t be able to live without it. Since credit cards have become such a staple, why not get the credit cards that reward you every time you make a purchase? And I’m not only talking about rewards cards, but cash back credit cards.

What are the advantages of Cash Back Credit Cards?

Cash back credit cards allow you to receive rebates on purchases you make. Some credit card companies can give you as much as 5% cash back return on the most practical of purchases made in groceries, gas stations, pharmacies, restaurants and the like. The cash back works just like a 5% discount on all these purchases, accumulating to become a huge savings on your part by the end of the year. Usually, people who have a strong credit card history and a good credit score are eligible to have cashback credit cards.

What to Watch Out For With Cash Back Credit Cards?

If you intend to keep a balance on your card, it may be wiser to instead seek a low interest credit card rather than a cash back rewards card. This is because cash back cards usually have a higher interest rate. Also, it is important to check on the details of the credit card such as if there is a limit to the revenue that you can receive, if there is an expiry date to the cash back rewards program, and if cash back expires if you don’t use your card for a certain period of time.

Here are some of the best cash back credit cards 2011 has to give:

Best Cash Back Credit Cards 2011





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What better way to spend your money, than with the knowledge that every time you make a purchase, a certain amount will be paid back to you? That’s exactly what cash back credit cards can give their patrons. With cash back cards, it’s as if you’re getting a part of your money back every time you spend.

Getting a return of cash on purchases made is certainly a good deal. After all, we will all eventually spend to on things such as food and gas. So why not take advantage of these credit card offers and earn from the money you spend.