160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! “The fact is, more than 50 percent of consumers choose to carry a balance from time to time or over time to manage their cash flow,” said Margo Georgiadis, executive vice president and chief marketing officer of Discover Financial. “Most of them didn’t feel rewards programs were focused on their needs; they felt they were focused on the biggest spenders.” Greg McBride, senior financial analyst with Bankrate.com, a North Palm Beach, Fla., company that tracks financial products and interest rates, said the new Discover card appeared to offer “a new wrinkle” in rewards, which he said “are continually evolving.” Motiva card holders will be able to sign up for e-mail reminders that their payments are due or for e-mail alerts if they’re approaching their credit limits. NEW YORK – Amid the growing proliferation of credit card rewards programs, Discover Financial Services has come up with a new card that rewards consumers who carry a balance and make their monthly payments on time. Discover Financial, a unit of the Morgan Stanley brokerage, said last week it will begin offering its Discover Motiva card nationwide following a six-month trial. The card also carries Discover’s regular cash-back bonus awards. The cards carry no annual fee, and consumers who make six consecutive on-time payments will receive their next month’s interest back as a bonus. They can accumulate the cash, apply it to their card balances or use it for rewards purchases, the company said. Discover Financial, which is based in Riverwoods, Ill., said the new card aims to promote good credit management.