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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, but only of them can be a student card or a secured card. 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.

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