Multiple Discover Cards

yam1rts · ‎08-22-2025

How many discover cards can a primary user have? Applicaiton limits, like once a year?

I currently have 1 as individual and 1 as AU.

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Current Score: 814
Goal Score: 850

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GZG · ‎08-22-2025

@yam1rts wrote:
How many discover cards can a primary user have? Applicaiton limits, like once a year?
I currently have 1 as individual and 1 as AU.

afaik, AUs don't count against the 2 primary card limit but I don't know that for sure

but afaik unless Cap1 has changed something very recently, limit 2 discover cards, 12 months between discover card apps

Starting FICO 8:

Current FICO 8:

ptatohed · ‎08-25-2025

Are we talking about multiple "Discover Cards" as in, say, a Cash-Back and a Chrome, or do you mean two Cash-Backs?

The Discover it Cash Back is really the only Discover card worth having and I could see the benefit of more than one to double the spending cap.

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

crystal626 · ‎08-25-2025

@ptatohed wrote:
Are we talking about multiple "Discover Cards" as in, say, a Cash-Back and a Chrome, or do you mean two Cash-Backs?

The Discover it Cash Back is really the only Discover card worth having and I could see the benefit of more than one to double the spending cap.

The Discover Miles is unlimited 3% for the first year when you factor in the match. Sure, it's not as useful after that, but it's the best 3% card for that year.

10/3

EX8 751
EQ8 776
TU8 774

26 cards TCL $282,750 ACL $10,875

ptatohed · ‎08-25-2025

@crystal626 wrote:
@ptatohed wrote:
Are we talking about multiple "Discover Cards" as in, say, a Cash-Back and a Chrome, or do you mean two Cash-Backs?

The Discover it Cash Back is really the only Discover card worth having and I could see the benefit of more than one to double the spending cap.
The Discover Miles is unlimited 3% for the first year when you factor in the match. Sure, it's not as useful after that, but it's the best 3% card for that year.

I guess but the Discover Cash Back also has cash back match for the first year. I'd rather earn 2% - 10% in year one and have a card with on-going value, than earn 3% for a year and then have a card that I can only use as an algae scraper in my fish aquarium after year one.

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

crystal626 · ‎08-25-2025

@ptatohed wrote:
@crystal626 wrote:
@ptatohed wrote:
Are we talking about multiple "Discover Cards" as in, say, a Cash-Back and a Chrome, or do you mean two Cash-Backs?

The Discover it Cash Back is really the only Discover card worth having and I could see the benefit of more than one to double the spending cap.
The Discover Miles is unlimited 3% for the first year when you factor in the match. Sure, it's not as useful after that, but it's the best 3% card for that year.
I guess but the Discover Cash Back also has cash back match for the first year. I'd rather earn 2% - 10% in year one and have a card with on-going value, than earn 3% for a year and then have a card that I can only use as an algae scraper in my fish aquarium after year one.

My Discover has sat in the sock drawer for at least 3 quarters now so I personally view each card as only being really good for a year.

10/3

EX8 751
EQ8 776
TU8 774

26 cards TCL $282,750 ACL $10,875

Girl_In_The_City · ‎08-26-2025

@yam1rts wrote:
How many discover cards can a primary user have? Applicaiton limits, like once a year?
I currently have 1 as individual and 1 as AU.

I have the cash back credit card and the miles credit card. You have to have the first card for a year before they will consider giving you the 2nd card.