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Chase Freedom Visa / MC vs Discover® Motiva Credit Card

These cards have a big difference in terms of cashbacks and other perks given to card account holders.

Chase Freedom is one of the many cards that offers 0% intro APR to first-time account holders. APR on both purchases and balance transfers are required to be paid only when the card holder uses the card after the intro APR period. This card is known to provide a high cashback percentage to card account holders who are able to spend a particular amount within a period of three months from sign up. Card holders can also earn better rewards when they use the card in the purchase of items that fall in certain chosen categories. All other purchases and transactions also make the card holders eligible to earn more cashback bonuses.

Discover® Motiva, on the other hand, does not offer a free intro APR. The perks that can be gained from this card include only a 0% annual fee. Cashback bonuses are reflected only on the customer’s account when full payment of credit is done on time. No large cashback bonuses are offered to new card holders but those who love shopping online can maximize their rewards earning potential by purchasing items on select online retailers and merchants that are found on the Discover website. Customers may also enjoy free shipping of items bought in particular Discover merchant sites.

Overall, Chase Freedom is better recommended for people who want to earn more rewards from their spending. Discover® Motiva is not for first-time credit holders. It is only for people who have excellent credit scores.

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