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You can only have up to 2 Discover credit card accounts 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 in most cases. But you can only have one student card and you can only get a second secured card if the first one has already graduated to an unsecured account. Some people might get 2 of the same card to get around and double their quarterly spending limits for bonus categories. If you want 2 Discover cards, it’s probably best to have them cover different needs. For example, you could get 1 Discover it® Cash Back card for your everyday spending and 1 Discover it® Miles card for travel purchases.
Here is 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. Your 2nd card can be different or the same, but only one can be a student or secured card.
- 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.
Discover offers several credit cards to choose from: Discover it® Cash Back, Discover it® Student Cash Back, Discover it® Chrome, Discover it® Student Chrome, Discover it® Miles, Discover it® Secured Credit Card and the NHL® Discover it® card.
Applying for a 2nd Discover credit card account is the same as applying for your 1st. There will be a hard credit inquiry, which may temporarily hurt your credit score. And approval will depend on your annual income, expenses, and credit history. If you want to know where you stand before applying, you can check your credit score for free, right here on WalletHub.
The NHL® Discover it® is not currently available on WalletHub and may be out of date.
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I currently have 3 discover credit cards. Two IT cards and one IT CHROME - so to say you can only have 2 cards accounts with discover is false. To build context : 1st discover account was a secured card open 2 1/2 years ago with $1000 secured. Since , they graduated me to unsecured after 1 year and then 3 months later then increased my credit line to $2500- and then 6 months ago I got approved for another increase to $3300. 2nd card I applied for about 9 months ago and was approved for a $10,500 LINE!! 3rd card - I was approved for 3 months ago with a $10,000 line and $4500 cash advance. I love discover as they trust in me and I delivered on time payments and they delivered HUGE credit lines and a 3rd card. Could also be the 1st card I had was a secured card which is not unsecured but this may be the only trick to get 3 credit card accounts with discover.