DISCOVER® MOTIVA(SM) CARD

Cash Rewards for your good credit management! Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site Up to 1% Cashback Bonus on all other purchases Unlimited cash rewards Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners 3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers*

Intro APR Intro APR Period Regular APR Annual Fee Credit Needed 3.99%* * 6 Months* * as low as 11.99% Variable* * None * Good

3.99% for 1 Year vs. 0% for 6 Months

Unless you are planning on paying off your high interest balance within 6 months, most consumers stand to save substantially more with a 3.99% balance transfer lasting 12 months than they would with a 0% rate that only last 6 months.

We crunched the numbers for a person with a $5000 balance on a credit card that charged a 15% rate.  During the first six months, that person would save over $300 in interest.  However, assuming the go to interest rate after the 0% period is similar to the original 15% rate, the savings end there.

With a credit card that offers a 3.99% for a full year, that same person would save close to $600 over the course of a year-a rather substantial difference.

Clearly, consumers that won't be able to repay their credit card debt in 6 months time are better off choosing the longest lasting low rate.  And, given the recent reductions in 0% periods and increasing balance transfer fees, options are likely to become less favorable for the foreseeable future.

*   See the online credit card application for terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " APPLY NOW " button you can review the credit card terms and conditions on the credit card issuer's web site.

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