Will Discover Allow Two Cards (IT and MILES)?

[JSS3]

I was denied the Chrome. Don't recall the reason. Mine went as follows:

(8/13) IT = Instantly Approved
(7/14) Chrome = Instantly Denied
(4/15) IT= Recon'd Approved

[Anonymous]

Also, be sure that the Miles card makes sense.   As far as we know now, it has value only for the first year.   See if the extra lift on your uncategorized spend is bigger than a sign on bonus would be on another card.

[vikingred]

Yeah I'm gonna app for something that pulls TU.  Was also considering State Farm Visa

[Anonymous]

Discover employee here -- You may have both accounts.  There's no time limit on how soon you can apply for another.  At this time, you cannot merge a standard it into a Miles it BUT that capability is coming soon (probably by end of summer.)

[ADARPegasus]

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@vikingred wrote:

Already have Discover IT card, 10k limit, 7 months old.

Want the IT Miles Card, too.  Does Discover allow this?

Does anyone here have both?  Thanks

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Yes they allow this! I called and asked them!

[Anonymous]

I can't say much about it Miles rewards after year one, but the plan is to have a similar, if not equivalent, bonus plan in the years ahead.  But you are correct, legally, Discover has no obligation to continue this generous reward structure beyond one year.

[Anonymous]

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@Anonymous wrote:

I can't say much about it Miles rewards after year one, but the plan is to have a similar, if not equivalent, bonus plan in the years ahead.  But you are correct, legally, Discover has no obligation to continue this generous reward structure beyond one year.

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Thanks.  It would be good for Discover to decide and announce,  I think a lot of people don't apply because they want "keeper" cards, and not those that just shine for a limited period  (Others like me are less fussy!).   Even 2% after year one would make this attractive to many

[Anonymous]

I can understand that, but since this is a new product, the company wants to wait and see how the card is doing before locking in future incentives and if the marketplace decides that a different type of reward will attract more customers, Discover wants to reserve the right to move in that direction. Even without incentives, Discover it Miles is a 1 1/2% card.  It will not remain a 3% card forever, that level of rewards is not sustainable in the marketplace and any card offering that now is losing money for the issuer.

[Anonymous]

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@Anonymous wrote:

I can understand that, but since this is a new product, the company wants to wait and see how the card is doing before locking in future incentives and if the marketplace decides that a different type of reward will attract more customers, Discover wants to reserve the right to move in that direction. Even without incentives, Discover it Miles is a 1 1/2% card.  It will not remain a 3% card forever, that level of rewards is not sustainable in the marketplace and any card offering that now is losing money for the issuer.

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Sure, I understand that but of course 1.5% cards are nothing special now, and that coupled with the atypical bonus structure (i.e. anything but spend $X and get $Y in three months!) is causing people here to pass on the card.  (Yes, for all I know in the wider world it is a huge success!)    But I will wait and see!

[Anonymous]

Although having two cards is possible, you would be forced to create two logins. It's ridiculous.
But given all the technical difficulties discover card and discover bank have been having for long, I don't think they have any plan to improve that.