For those of you with good or better credit that are looking for an all purpose low interest credit card, then look no further than the Motiva Card by Discover. Designed for the more credit responsible consumer, these accounts come with an excellent benefits package that complements the low APR's very well. Read on to find out some more useful information regarding the credit card program.

The intro APR stands at an eye catching 3% for six months for all qualifying customers.99% for 15 months. Gone are the days of the 12 month 0% introductory offer credit card. Balance transfers come at a very reasonable APR. 15 months at 3.99% is a very good deal. There are many cards also offering good intro offers, however, only for 6 months. Those who have a higher credit rating will have a better chance of securing the lower interest rate after trial period is over. After the introduction offer, the interest rate will vary between 11.99% and 20.99%. Again, this depends on your credit. The ideal beacon score for this card is around 750. It is still possible to qualify for this card with a credit rating in the 600's, however your APR will not likely be as low.

The Motiva card is also a good cash back rewards card. The rewards program is much the same as other Discover products. After you reach $3000 of total charges you get 1% cash back. The good thing is that these rewards are unlimited. That gives you a good 1% off on all your purchases. You will earn .25% cash back until you reach the $3000 second tier.

The cash back program works even more to your benefit when you shop with partner companies. Get 5% to 20% cash back at more than 150 rewards partners. This is great way to get discounts every time that you go shopping. You have to go through their on line shopping portal, ShopDiscover.com. There you will get access to shop at stores such as Best Buy, FTD Flowers, Hewlett Packard and Lands End. The site is easy to use and navigate. They also offer double cash back rewards on grocery items. This is a great way to earn points.

It is also very easy to redeem your rewards. All you have to do is the following:

1. Log On To Your Account

2. Follow the links directing you to the rewards redemption page

3. As with any account as long as you can manage it properly you shouldn't have any difficulty in reaping the full benefit your credit card has to offer.

On the other hand, it is also just as easy to loose them. Pay your monthly statement on time every month and you will not be penalized. If you can make six payments straight and on time, you will be issued bonus reward points. They can also be as nasty as nice. Make two late payments and all your rewards point will be gone. In addition to loosing your rewards, they may also raise your interest rate indefinitely. This is like being in "Discover Hell". Not quite Dante's Inferno, however, if you are looking to save money (like most of us are) this will derail your plan. Never charge more than you can afford to pay.

In all, the Discover Motiva credit card is a good rewards card. They offer an excellent introductory offer. 3.99% for 15 months is almost unheard of these days. Your credit score does not have to be in the eight hundreds either, in order for you to qualify. After doing some research, I was able to find out that people with scores of 621 were getting approved. As always, Discover has excellent customer service 24/7. I happen to very much like the fact that double rewards points is offered on grocery purchases. These are the types of categories that you want to earn your points under, especially double points. This is a great card for housewives, college students or just about anyone.