Quick Answer: Can I Have Two Credit Cards From Discover?

If you’re trying to get multiple Discover cards, there are a few rules: You can only have up to 2 Discover It cards at one time.

You can only have 1 student card at one time.

You can only have 1 new card every membership year — after you receive the cashback match check.

Can you have 2 discover it cards?

You can have two Discover credit cards at once as the primary accountholder. But to get your second Discover card, you must have had the first card open for at least one year. Your two Discover cards can be different or the same, such as two Discover it Cash Back cards.

Can you have 2 credit cards from the same company?

Yes, you can have more than one card from a single issuer. However, the extra account carries both pros and cons. A few situations could warrant opening a second (or third) credit card with the same bank.

Is it smart to get a second credit card?

Applying for a second (or fourth) credit card may be worth considering if you want to raise your credit score. After all, opening another credit card account will automatically lower your credit utilization ratio. That factor (along with the total amount of debt you owe) accounts for 30% of your FICO® score.

How can I use two credit cards effectively?

Despite their different paths to owning multiple credit cards, both DeNicola and Coombs have developed strategies to keep their cards — and credit — in good shape.

  • Avoid carrying a balance.
  • Pay your balance on time.
  • Skip cards with a cost.
  • Pick the right card for each purchase.
  • Keep tabs on purchases.