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Discover® MotivaCard
and
Citi Forward® Card for College Students
Side-by-Side Comparison

Here is the detailed comparison.
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Discover® MotivaCard and Citi Forward® Card for College Students

Discover® MotivaCard Offer Discover® MotivaCard  Official
Card
Name
Citi Forward® Card for College Students  Citi Forward® Card for College Students Offer
Discover Logo Discover 
 
Issuer
CitiBank  CitiBank Logo
 
Discover  Brand Visa 
None  Annual Fee None 
3.99*  Introductory
Rate
0 if you qualify* 
12 Mo.*  Length of
Intro Period
7 Mo. on Purchases* 
11.99% - 20.99% (Variable)*  Go To Rate
(After Intro)
12.99% - 19.99%* (Variable) 
Yes  Balance Transfer
Available
Yes 
Very Good  Credit Level
Required
Very Good 
Cash rewards for your good credit management  Bullet Points:
1
No Cosigner required 
Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account  2 APR reduction on purchases when using credit wisely 
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall  3 100 ThankYou Points each billing period that you pay on time and stay under your credit line 
Up to 1% unlimited Cashback Bonus on all other purchases  4 Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening. 
3.99% intro APR on balance transfers for a full 15 months, then the Regular APR  5  
     



 


     


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