You can have two Discover credit cards at once as the primary accountholder. But to get your second Discover card, you must have had the first card open for at least one year. Your two Discover cards can be different or the same, such as two Discover it Cash Back cards. Some people might get two of the same card to get around quarterly spending limits for bonus categories (e.g. $1,500 spent on each card, rather than just one). But if you want two Discover cards, it’s probably best to have them cover different needs. For example, you could get Discover it Chrome for your everyday spending and Discover it Miles for travel purchases.
If you apply for a second Discover card online, you might receive a notice asking you to call Discover. This is just a courtesy to verify that you want the second 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 two 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 two accounts. You must have the first card open for a year before getting a second.
Per account: You can get up to five 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 second Discover credit card account is the same as applying for your first. 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.
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