You can get a Discover it gold card by picking a gold design when applying for a new Discover card or by changing your existing design for free. The first step of the application process for a Discover it card is always to pick the card design. The gold color is immediately available on the Discover it Cash Back card but not on other Discover it cards. For other cards, you’ll have to request a new design online. In addition to gold, you’ll have tons of other color and picture options, too. Changing your card design is free and it only takes 4-6 business days to get the new card.
Discover doesn’t have any credit card with “gold” in the name like other issuers do. For example there’s the Amex Gold card or the Gold Delta SkyMiles card. Gold cards are typically for people with at least good credit and offer substantial rewards. But that won’t always be the case – the HSBC Gold Mastercard has no rewards but offers 0% financing. The default design on these cards is a gold color.
If any Discover card were to be designated a “gold” card, it would probably be the Discover it Cash Back card. It replaced the Discover More card, which was discontinued in 2013. The Discover it Cash Back card has introductory APRs of 0% for 14 months on purchases and 0% for 14 months on balance transfers. The card offers 5% cash back on purchases in select categories every quarter. And, like all Discover cards, Discover it Cash Back matches all the rewards you earn in the first year. Other Discover-wide features included with the Discover it Cash Back card are no annual fees and no foreign transaction fees. You’ll need at least good credit in order to have decent odds of approval.
You can only have 2 Discover credit cards at the same time. To get your 2nd Discover card, you must have had the 1st card open for at least 1 year. Your 2 Discover cards can be different or the same, such as 2 Discover it Cash Back cards. Some people might get 2 of the same card to get around quarterly spending limits for bonus categories (e.g. $1,500 spent on each card, rather than just 1). If you want 2 Discover cards, it’s probably best to have them cover different needs. For example, you could get 1 Discover it Chrome card for your everyday spending and 1 Discover it Miles card for travel purchases.… read full answer
If you apply for a 2nd Discover card online, you might receive a notice asking you to call Discover. This is just a courtesy to verify that you want the 2nd card.
Discover offers 8 credit cards to choose from: Discover it Cash Back, Discover it Student Cash Back, Discover it Chrome, Discover it Student Chrome, Discover it Balance Transfer, Discover it Miles, Discover it Secured and the Discover it NHL card. While you can only pick 2 to open yourself, you can also be an authorized user on as many cards as you want.
Here are how many Discover cards you can have:
As a primary cardholder: Up to 2 accounts. You must have the 1st card open for a year before getting a second.
Per account: You can get up to 5 cards for authorized users per account.
As an authorized user: There’s no limit reported for how many Discover accounts you can be an authorized user on.
Applying for a 2nd Discover credit card account is the same as applying for your 1st. There will be a hard credit inquiry, and approval will depend on your annual income, expenses and credit history. You can use Discover’s pre-approval tool to find out which card you have a good chance of getting.
Discover It credit score requirements actually vary widely because there are a number of different Discover it credit cards. The Discover it® Miles requires good credit or better, for example, while even people with bad credit can get the Discover it® Secured.
Here is the complete list of Discover it credit score requirements:… read full answer
Good Credit (700+): Discover it® Cash Back
Good Credit (700+): Discover it® Miles
Good Credit (700+): Discover it® chrome
Good Credit (700+): NHL® Discover it®
Limited Credit: Discover it® Student Cash Back
Limited Credit: Discover it® Student chrome
Bad Credit (300-619): Discover it® Secured
The Discover it student and secured cards are among the best offers available to people with limited and bad credit, respectively. In fact, Discover it® Secured is one of the only secured cards offering rewards.
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