There are many reasons consumers choose to apply for credit cards. It could be a low introductory interest rate, a great rewards program, even better protection plans and the power of a stable bank behind it all. With the Discover® Motiva(SM) Card, you get all of this and more, including rewards for paying your bill on time. Credit companies have long charges fees for going over your limit or paying late, often greatly raising interest rates in addition to charging these fees. It makes sense to use this system of discipline for those who cannot handle their finances responsibly. Now there is a reward for handling your finances responsibly as well.

Discover® was one of the first credit card companies to offer the very generous cash back rewards programs. Consumers were amazed that by simply using their card they could earn money. Not all credit users have a use for mileage, gift cards, or the other array of items that can be earned in other rewards programs. Cold hard cash is hard to pass up. With the Discover® Motiva(SM) Card, you can earn cash back on all purchases, not just during a special introductory period. There is also no limit to these rebates, and as long as you keep your card active within a 36-month period, your cash back rebates will never expire.

What sets this card apart is that you will also receive a rebate just for paying your credit card bill on time. Responsible card holders who pay their bills on time each month anyway will love this offer. Those who may have trouble maintaining consistency with their payment histories may find this a way to keep motivated to send in their money on time. For every six months in a row that an on time payment is received, you will receive a rebate for a portion of the interest back on your next month’s statement. This on time bonus is available twice a year only.

The Discover® Motiva(SM) Card also offers a very low introductory interest rate of 3.99% for six months on purchases and up to a year on balance transfers. After the 0% APR time frame has passed you will switch to a low ongoing interest rate. One of the best things about this card is that you will also pay no annual fee for all the cash back on purchases and on time rebates you can earn. Discover® also offers a large array of shopping and travel protections. You will receive auto rental insurance, shopping discounts, up to $500,000 in travel accident insurance, and access to an available fraud protection program. In addition to all this, you can also earn 5-20% on all purchases made online through Discover® partners. All other purchases will earn 1% cash back on your account.

If you are a credit card user with a responsible payment history, consider applying for the Discover® Motiva(SM) Card today. With benefits such as up to 20% cash back bonus rebates, no annual fee, a low introductory interest rate and rewards for paying your bill on time, there is no better option when it comes to consumer spending. While others are being hit with over the limit fees, late fees, and outrageous annual fees, let Discover® reward you for your financial habits by giving you a card that will earn you unlimited rebates with no expiration.