Pay-On-Time Bonus
Cash rewards for good credit management.
Discover Motiva Card
The only card that gives you a full month's interest back for on-time payments.
With the new Discover Motiva Card, your good credit management earns you cash rewards. Each time you make 6 on-time payments in a row and we'll pay you the next month's interest back as a Pay-On-Time Bonus. That's twice a year, every year when you pay on time every month!
Cash Rewards
- Pay-On-Time Bonus equal to a full month's interest each time you make 6 on-time payments in a row—twice a year, every year when you pay on time every month
- 5% to 20% Cashback Bonus at top online retailers through our exclusive online shopping site and 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
Flexible Options That Put You In Control
- Free payment by phone or online—even on your due date
- Get timely e-mail reminders to help you avoid fees
- Choose a payment due date that meets your needs
Complete Fraud Protection for Your Peace of Mind
- Protect your finances with $0 Fraud Liability guarantee
- Prevent fraud with early warning alerts
or
for online account access.
Related Questions
Browse more questions- What is Cashback Bonus?
The Discover Card cash rewards program is called the Cashback Bonus Program. The new Discover Motiva 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!
- What is a 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 make 6 on-time payments in a row, we'll pay you the next month's interest back as a Pay-On-Time Bonus. An on-time payment means paying at least the Minimum Payment Due by the Payment Due Date. Your statement will display the remaining number of on-time payments you need to 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 the cash rewards you've earned on purchases.
- How can I earn a Pay-On-Time Bonus twice a year, every year?
When you have a Minimum Payment Due every month and you always pay it by the Payment Due Date, over the course of a 12-month period, you will earn a Pay-On-Time Bonus twice!
- What do you mean by "a full month of interest back"?
The interest used to calculate your Pay-On-Time Bonus is the combined Periodic Finance Charges on purchases, balance transfers, and cash advances shown on your billing statement in the Finance Charge Summary section. The amount of these Periodic Finance Charges will depend on your current balance, Annual Percentage Rates and payments and will not include any Transaction Fee Finance Charges.
- Will I still earn a Pay-On-Time Bonus if I forget to make a payment?
You must make 6 on-time payments in a row 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 lose the number of on-time payments previously made. Your next statement will display that you must make six on-time payments to earn a Pay-On-Time Bonus.
- What if I don't have a Minimum Payment Due?
The number of on-time payments you have remaining until you are eligible for a Pay-On-Time Bonus will not change when you do not have a Minimum Payment Due (for example, because you paid your balance in full during the previous month). When you make your next required payment on-time, it will count toward earning your Pay-On-Time Bonus.
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