What is Cashback Bonus®?

The Discover® card cash rewards program is called the Cashback Bonus® Program. The new Discover Motiva^SM card makes it easy to earn Cashback Bonus in 2 ways—by paying on-time and making purchases. You'll earn up to 1% Cashback Bonus on every purchase. You can also earn a Pay-On-Time Bonus® for making your payments on-time. There is no limit to the amount of Cashback Bonus you can earn!

Back to Top

What is the 5% Pay-On-Time Bonus®?

Pay-On-Time Bonus® is a type of Cashback Bonus® that you earn for making your payments on time. Each time you pay at least the Minimum Payment Due by the Payment Due Date, you'll earn 5% of your interest charges as a Cashback Bonus. If your payment is late, you pay less than the Minimum Payment Due (or make no payment at all), or your payment is returned unpaid, you will not earn a Pay-On-Time Bonus. The amount of your Pay-On-Time Bonus will be included on your statement in the Cashback Bonus Summary section, along with any Cashback Bonus you may have earned on purchases.

Back to Top

How can I earn a Pay-On-Time Bonus®?

When you have a Minimum Payment Due, pay it by the Payment Due Date and you will earn a Pay-On-Time Bonus®!

Back to Top

How do you calculate the Pay-On-Time-Bonus®?

Each month you pay on time, you will receive 5% of your month's interest charges in the form of a Cashback Bonus®. Your Pay-On-Time Bonus® will be an amount equal to 5% of the Interest Charges on your current balance, which may include previous purchases, cash advances and balance transfers. The interest used to calculate your Pay-On-Time Bonus is the combined Interest Charges on purchases, balance transfers, and cash advances shown on your billing statement. The amount of these Interest Charges will depend on your current balance, Annual Percentage Rates and payments. You will see the Pay-On-Time Bonus on the next statement.

Back to Top

Will I still earn a Pay-On-Time Bonus®? if I forget to make a payment?

You must make payment on time to earn a Pay-On-Time Bonus®. Each time you make a late payment, pay less than the Minimum Payment Due (or make no payment at all) or your payment is returned unpaid, you will not earn a Pay-On-Time Bonus.

Back to Top

What if I don't have a Minimum Payment Due?

When you make your next required payment on time, you will earn a Pay-On-Time Bonus®.

Back to Top

Are there other ways I can earn Cashback Bonus?

In addition to your Pay-On-Time Bonus®, you can earn Cashback Bonus® by using your Discover® Motiva card^SM for all your purchases.

You can earn 5% to 20% Cashback Bonus at top online retailers through our exclusive online shopping mall.

Get up to 1% Cashback Bonus on all of your purchases.

Back to Top

How can I find out the status of my Discover Motiva Card application?

It can take up to 30 days to process an application. If 30 days has passed since you applied, please call us toll free at 1-800-DISCOVER (1-800-347-2683) to find out the status of your application.

Back to Top

Why do I need to activate my new Discover Motiva Card?

The activation process is a security measure. When you call us to activate your Motiva Card, we will ask you to provide your personal information. This is how we ensure that you, not others, are using your Credit Card. To make the activation process as quick as possible, please call us from your home phone. For security purposes, if you receive multiple card packages in the mail, you will need to activate each on separately.

Back to Top

How can I get cash with my Discover Motiva Card?

You can get cash at over 150,000 Discover Cash Network ATMs 24 hours a day, 7 days a week. All you need is your PIN and your Discover Card. You can also stop in at one of more than 58,000 participating banks and financial institutions for quick cash using your card and photo ID. To find participating ATMS and banks, visit our ATM locator.

 

Back to Top

How can I request a Personal Identification Number (PIN) for ATMs and cash advance?

Please call us at 1-800-DISCOVER (1-800-347-2683) from your home telephone. A Customer Service representative will ask you a few questions and process your request. PINs may be requested only by telephone at this time.

Back to Top

Can I request an additional Discover Motiva Card online?

In Customer Service within the Account Center, you can request new designs for your card, add an Authorized User to your Account or request a replacement for a worn or damaged Card. Just log in to the Account Center, go to Customer Service and choose either the "Request or Replace a Card" link or "Add a Person to Your Account" link under Account-Related Requests.

Back to Top

What should I do if my Discover Motiva Card is lost or stolen?

Call us immediately at  1-800-DISCOVER (1-800-347-2683) to report the Card's loss or theft. We will close your Account and reissue you a new Account number and Card(s). If your lost/stolen Discover Card is registered at the Account Center, you'll need to re-register when your new Card arrives in the mail.

If you use our Auto Bill Pay online service, we will contact your biller directly to inform them of your new Account number and expiration date.

If you have set up automatic payments directly with billersoutside of the Auto Bill Pay service, you will need to contact them with your new Account number and expiration date. 

Back to Top

Can I change my address, phone number and e-mail address online?

Yes, Log in to the Account Center, go to Personal Profile, and then click on "Update Your Personal Information." You can change your Account information in addition to managing other aspects of your Account. Not registered for the Account Center? Register Now.

Back to Top

How can I request a credit limit increase?

Please call us at  1-800-DISCOVER (1-800-347-2683). A Customer Service representative will ask you a few questioins and process your request. Credit limit increases may be requested only by telephone at this time.

Back to Top

Who are the participating Cashback Bonus Partners?

View a list of our Partners. You can increase, even double, your Cashback Bonus when you redeem for gift cards from our brand-name Partners.

Back to Top

Where do I find my Cashback Bonus totals?

Look for your totals on the first page of your monthly Discover Card statement. Or log in to see your Cashback Bonus Summary online in the Account Center. Not registered for the Account Center? Register Now.

Back to Top

How long does it take to process a balance transfer to my Discover Motiva Card?

When you request a balance transfer. Discover Motiva Card makes a payment to your other creditor(s). It may take up to two weeks for them to receive the funds and credit your other account. This means you should make payments to your creditor(s) until the balance transfer is complete to avoid late fees and financecharges. It's best to contact your other creditor(s) to confirm they have received the balance transfer. The balance transfer may post to your Discover Motiva Card Account at any time within the two-week period. You can check to see it has posted by logging in to the Account Center and clicking on "View activity since last statement." Not registered for the Account Center? Register Now.

Back to Top