No. You cannot have two of the same credit card from the same credit card company at the same time, with two notable exceptions: Capital One and Citibank. People in forums online have shared their experiences with having two different accounts of the same card from both of these issuers, including Capital One VentureOne, Capital One Quicksilver, and Citi Double Cash. In the case of Capital One, some forum users have reported offers to upgrade a current Capital One card to a different card, even if they already have that card. Accepting such an offer is one way you could end up with two of the same Capital One credit card.
Even if you’re betting on one of these issuers letting you open another of the same credit account, it’s good practice to call your card issuer and ask before you fill out an application for a credit card you already have. It may not be a great idea to actually apply. For example, if they process the application, but don’t allow you to have two of the same credit card in the end, the hard credit inquiry may still land on your credit report, but you won’t have another credit card to show for it.
It may also be a good idea to ask yourself why you would need two of the same credit card. The benefits seem minimal, and some card issuers have restrictions against cardholders earning the same signup bonus twice – or even against earning more than one bonus from the same issuer. Sometimes, you have to close your existing card and wait 24-48 months to apply again in order to be eligible for another bonus. On the other hand, if you close a particular Citibank credit card account, you can’t apply for that same card again. Each card issuer’s rules are different. You’ll often find any restrictions in the fine print on credit card applications.