The Discover More Card and Discover Motiva Card compared

Which is better: the Discover More Card or the Discover Motiva Card?

The Discover More Card and Discover Motiva Card are both excellent credit cards offering competitive interest rates, generous balance transfer offers, and cash rewards. How do you know which one is right for you? In a nutshell, the Discover Motiva Card is best for those who want to transfer a balance that will take more than one year to pay off.

The Discover More Card is better for those who want to transfer a balance that will be paid off in less than a year, want to enjoy a 0% introductory interest rate on purchases, or who just want a low APR credit card with excellent cash rewards.

Balance Transfer Offers

The Discover Motiva Card offers a balance transfer rate of 3.99% for 12 months. The Discover More Card offers a balance transfer rate of 0% for 12 months.

Motiva Pay-on-Time Bonus

The Discover Motiva Card also offers up to two months of free interest per year when at least the minimum payment is made on time for six consecutive months. The Discover More Card does not offer this benefit.

The Discover More Card’s 0% introductory APR for 12 months includes purchases and balances transfers; the Discover Motiva Card does not offer an introductory APR on purchases.

Discover Card Cash Rewards

Both Discover cards come with no annual fee and offer 1% cash back on all purchases, the ability to earn up to 20% cash back by shopping with online partners, and the ability to increase or even double cash rewards by redeeming the rewards for gift certificates from 80 leading stores and restaurants.

The Discover More Card offers an instant $40 cash back bonus credited to your account after your first purchase, the Motiva Card does not offer this bonus.

Credit Requirements, Acceptance Rates, and Limits

Both Discover credit cards require at least average credit to be approved; applicants with significant negative marks on their credit scores may not be approved for a Discover Card.

Otherwise, acceptance rates for the Discover More and Motiva Cards are similar.

Both Discover cards offer generous credit limits that could be as high as $10,000 or more.

If you are interested in either card, you can read reviews and apply online for either the Discover Motiva Card or Discover More Card now.