How many Discover cards can you have?

Discover credit card limitation rules

You are limited to two Discover cards at a time. To open your second card, you typically must have held your first for a minimum of one year. Note that some members have reported getting their second card even sooner, but one year is the standard.

Unlike most other providers, Discover lets you have two of the same card. Keep in mind if you apply for a card you already have, Discover may ask you to call in to confirm your application.

Why would I want a second Discover card?

One reason you might want a second Discover card is to increase your quarterly reward maximum.

For example, the Discover it® Cash Back offers 5% cash back in rotating categories that you activate each quarter, but only up to a quarterly maximum — usually $1,500. Once you reach that cap, you’ll earn only 1% cash back until the next quarter. By opening a second account of the same card, you can earn the bonus rate on up to $3,000 in eligible spending a quarter.

Many cardholders have reported qualifying for the first-year cashback match again. However, this comes down to Discover’s discretion, and your results may vary.

Compare Discover credit cards

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Discover it® Cash Back			5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases	0% intro for the first 14 months (then 11.99% to 22.99% variable)	$0	View details	Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.	Compare	loading Fetching your data...
Discover it® Miles Travel Credit Card			1.5x miles on all purchases	0% intro for the first 14 months (then 11.99% to 22.99% variable)	$0	View details	Earn unlimited 1.5x miles on all purchases - from airfare and hotels to groceries and online shopping.	Compare	loading Fetching your data...
Discover it® Chrome Gas & Restaurant Card			2% back on gas and dining up to $1,000 combined quarterly, then 1% after that and on all other purchases	0% intro for the first 14 months (then 11.99% to 22.99% variable)	$0	View details	Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.	Compare	loading Fetching your data...
Discover it® Secured			2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases	22.99% variable	$0	View details	2% cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.	Compare	loading Fetching your data...
Discover it® Chrome for Students			2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases	0% intro for the first 6 months (then 12.99% to 21.99% variable)	$0	View details	Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.	Compare	loading Fetching your data...
Discover it® Student Cash Back			5% back in rotating categories each activated quarter up to $1,500, then 1% after that and on all other purchases	0% intro for the first 6 months (then from 17.99% variable)	$0	View details	Earn 5% back in rotating categories each activated quarter up to $1,500, then 1% after that and on all other purchases.	Compare	loading Fetching your data...
NHL Discover it® Card			5% cash back on up to $1,500 in rotating quarterly activated categories then 1% after that and on all other purchases	0% intro for the first 14 months (then 11.99% to 22.99% variable)	$0	View details	Earn 5% cash back on up to $1,500 in rotating quarterly activated categories then 1% after that and on all other purchases.	Compare	loading Fetching your data...
Discover it® Business Card			1.5% cash back on all purchases	0% intro for the first 12 months (then 12.99% to 20.99% variable)	$0	View details	Earn 1.5% cash back on every dollar spent on all purchases. Your rewards never expire.	Compare	loading Fetching your data...

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Bottom line

Discover allows two card accounts at a time. Most card members must have their first card open for at least a year before getting their second card, though there may be exceptions.

There are several Discover cards that offer solid rewards, and a first-year rewards match. Compare Discover credit cards to find ones that are right for you.

Frequently asked questions

• Can I prequalify for Discover credit cards?

  Yes. On Discover’s prequalification page, you can enter details such as your name, address and Social Security number. After a moment, Discover will show you cards that fit your credit profile.

• After the first year, how soon will I get my cashback-match rewards?

  According to Discover, your rewards will be applied to your account within one or two billing periods after your first 12 consecutive billing periods.

• Why might Discover ask me to call in if I apply for a card I already have?

  Discover does this to confirm your intentions. Most card providers don’t allow members to get two of the same card, and consumers typically don’t try to apply for the same card twice.