The Discover Motiva SM Card provides benefits that are ideal for many cardholders, even those with less than perfect credit.  Discover opens its lending abilities by providing cardholders with a range of benefits with this credit line.  This includes a cash back rewards program offering 5 percent to 20 percent cash back on some of today's top retailers, when you purchase from Discover's exclusive website.  Additionally, all other purchases qualify for 1 percent unlimited cash back.  
You can earn additional benefits including increasing or doubling your cash back by using your rewards to purchase gift certificates through Discover's program for some of today's top retailers.  
An introductory period of 3.9 percent APR for the first six months is available and this will adjust to a standard APR of 10.99 percent.  Non-credit history is needed and there is no annual fee.
Cardholders also are rewarded through the Pay On Time Bonus program, which allows you to take advantage of a full month's interest when you make your payment on time for six months in a row, up to twice a year each year.
The Discover Motiva SM card is an ideal way for credit card users to build credit and still take advantage of a low rate as well as rewards.