The Motiva is a nice card and usually has a low APR, but if you're a "rewards" type person the Discover More or Open Road cards give you a bit more bang.  If you PIF, the slightly higher APRs that come with these cards-unless you have really, really nice scores, shouldn't have an impact

 

 

"nice card"  to me a Discover card was basically the holy grail for many years.  Now that I finally have ONE, I'm the expert eh...