topic Re: Question on 2nd Disco Card in Credit Cards

Question on 2nd Disco Card

Anonymous — Tue, 16 May 2017 20:35:21 GMT

Thinking about applying for a second Disco card...... probably chrome but maybe miles.
Couple of questions. One is do you get cash back match or points match with the second card?
Second is if I decide in the future I only want one can I combine limits?

Thanks

Re: Question on 2nd Disco Card

AverageJoesCredit — Tue, 16 May 2017 21:30:22 GMT

Yes and Yes DJ. Being that the Miles card is a different brand, not sure on the Chrome, you would qualify for the double cash back or points , which ever the program uses . I understand that you can combine limits but i think you need 1 full year with your It before you can apply for the More card and get approved.

Re: Question on 2nd Disco Card

kdm31091 — Tue, 16 May 2017 21:43:10 GMT

You can apply for a 2nd card and be eligible for any match offer, but you do have to have your first card for a year before they will approve a second.

Re: Question on 2nd Disco Card

Anonymous — Tue, 16 May 2017 22:49:02 GMT

Thx. I got an answer finally from CS. Said I would get cash back match on Miles, but you cannot combine limits. She never answered me on the chrome card. Also... I keep finding different answers on the combining question-so maybe this is an "ymmv thing depending on what CS agent you get"

I actually think I'd like the chrome card. I'd use my regular Disco for restaurants and gas for their respective quarters but I could still use the chrome card 3q's of the year.

Miles is a good card too though. Ahhh... 1st world problems. My 1 year anniversary is in 2 days, so I have time
To think about it I guess. If I get the miles I would get rid of gl CapOne card which I have wanted to do forever. That's a bonus for the Miles card.

Has anyone successfully combined limits?

Thx again

Re: Question on 2nd Disco Card

AverageJoesCredit — Tue, 16 May 2017 23:55:28 GMT

DJ, if used correctly isnt the Discover Miles card actually like a 3% cash back first year?

Re: Question on 2nd Disco Card

joltdude — Wed, 17 May 2017 02:33:18 GMT

@AverageJoesCredit wrote:
DJ, if used correctly isnt the Discover Miles card actually like a 3% cash back first year?

Why yes, yes it is... And iv heard rumors of even higher amounts of cashback.. Think (dont quote me on it) you can particpate in Discover Deals with the Miles.....

Re: Question on 2nd Disco Card

grillandwinemaster — Wed, 17 May 2017 04:21:31 GMT

Discover Rocks! I will probably go fo a 2nd card, probably "Miles," in 2018 or so. Hopefully there

still offering double your cash back.

This double your cash back program has been a great marketing success for Discover. I wonder

how many new accounts Discover has opened as a result of this marketing program?

Re: Question on 2nd Disco Card

wasCB14 — Wed, 17 May 2017 05:52:21 GMT

I don't think I'd want a second Discover. I say that as someone with an old joint account on which it's a hassle to get a CLI.

I like my Discover, but their other cards are so similar that a second one would be superfluous once the 3% ends. If I could only get value from a card for a year, I might as well pick up something with a nice bonus.

Re: Question on 2nd Disco Card

Anonymous — Wed, 17 May 2017 06:59:33 GMT

Good point AJC...

CB14...guess it depends on how you use your cards. I made more on my cash back match than I have on any bonus. I should end up with about $397. I don't know if a card that will give me a $400 spend bonus, but if there is let me know.

Re: Question on 2nd Disco Card

Anonymous — Wed, 17 May 2017 06:59:57 GMT

Discover Delas really rocks and really make your cash back add up quick.

Re: Question on 2nd Disco Card

wasCB14 — Wed, 17 May 2017 08:09:03 GMT

@Anonymous wrote:
Good point AJC...

CB14...guess it depends on how you use your cards. I made more on my cash back match than I have on any bonus. I should end up with about $397. I don't know if a card that will give me a $400 spend bonus, but if there is let me know.

Hmm...I do see some obstacles to an apples-to-apples comparison.

1. I travel a lot. You may not. I generally fly economy and stay in mid-quality hotels, so cash prices are usually reasonable. It's not cash, but my last bonus was for 35k Starpoints. Before that it was 50k TYs (I redeemed for $800 in flights on AA). To me those are much better than $400 in plain cash.

2. I rarely use Discover Deals. I'll use airline and hotel portals instead, and use a Citi or Amex card for price rewind or a strong warranty. I don't closely track what I earn across all these portals, I just pick the best one for each transaction as it comes up.

3. I occasionally chase bonuses and spread my spending out. Unless I get a BofA 2.625% travel card and start paying income and property taxes with it, $30k on one card in a year would be fairly unusal for me.

Re: Question on 2nd Disco Card

Anonymous — Wed, 17 May 2017 09:41:03 GMT

You are correct. I don't travel much at all and if I do I fly myself. I also tend to stay at high end hotels. I'm
Not rich by any means but I do have a thing for nice hotels. Makes the trip so much better for me. That, and I do use Discover Deals all the time. They have got me some incredible cash back deals. I shop online all the time too. I have not stepped foot into a mall or store for years. Even grocery shopping I do online now. So Disco Deals is a must for me. On a card by card basis... idk. Maybe I spend about $60-70k on my main card which is Discover, and $30-40k on my Amex. The others (5) get maybe $1k-$10k each.

I guess what we have learned, or actually we both probably knew.... every person is different and cards and their reward systems work differently for different people. It's
A good thing there are a lot to chose from.

My point of the original reply was not to say you can't like Discover.... it was mainly that to a lot of people the cash back match is a nice bonus on a card.

Re: Question on 2nd Disco Card

Benzman — Wed, 17 May 2017 14:04:25 GMT

I have both the Chrome and Miles. CSR told me I can move available credit any time between both cards.

If I were to close one of them, all but $500 would be allowed for combining.