Can You Have Multiple Discover Credit Cards?
At a Glance
Over the years, credit cards have evolved to offer several different perks to cardholders depending on the card itself. Some of these perks come in the form of cash back, whereas other perks are for rewards or other offerings. Far too often, people believe they can only have one type of card from a card issuer in their wallet, though this is not true. It’s time to finally answer the question of how many Discover cards can you have at a given time.
In this article, you’ll learn:
How many Discover cards can one have?
While some card issuers state a limit on the number of cards a person can hold in their wallet, Discover does not. There is no limit to the answer of how many Discover credit cards can you have, but that doesn’t mean you can overload your wallet. Discover aligns with other card issuers in that having more than five cards from their institution may put you at a disadvantage when it comes to applying for future cards.
Different types of Discover credit cards
| Credit Card | Rewards |
|---|---|
| Discover it Cash Back | Earn 5% cash back on everyday purchases at different places each quarter up to the quarterly maximum and an unlimited 1% cash back on all other purchases. Unlimited cash-back match dollar-for-dollar is available for the first year. |
| Discover it Student Cash Back | Earn 5% cash back on everyday purchases at different places each quarter up to the quarterly maximum and an unlimited 1% cash back on all other purchases. Unlimited cash-back match dollar-for-dollar is available for the first year. Must be a student to apply. |
| Discover it Student Chrome/Chrome | Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases per quarter along with 1% unlimited cash back on all other purchases. Unlimited cash-back match dollar-for-dollar is available for the first year. |
| Discover it Secured | Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases per quarter along with 1% unlimited cash back on all other purchases. Unlimited cash-back match dollar-for-dollar is available for the first year. Your credit line will equal your deposit amount starting at $200. |
| Discover it Miles | Earn unlimited 1.5x miles on every dollar of every purchase from airfare and hotels to groceries and online shopping. Unlimited cash-back match dollar-for-dollar is available for the first year. |
*Updated as of October 2023
Tips to handle multiple Discover cards
Juggling multiple credit cards at a single time can quickly become overwhelming which is why learning how to effectively is important. While the answer to can have multiple Discover cards is yes, not adhering to the following tips will quickly result in accrued debt:
1. Keep track of spending
The most important tip above all else when using credit cards is to track your spending so you know exactly how much you will owe. The answer to whether can you apply for multiple Discover cards is yes, but this may leave you unsure of all the payments you have on each of those cards.
2. Pay on time
The second most important tip to follow when using multiple credit cards is to make all payments on time and in full. Avoid carrying a balance on your cards as this is when interest will begin to accrue which can lead to a cycle of debt if your balance is high enough.
3. Keep low credit utilization
All cardholders should aim to have a low credit utilization, meaning they are only using a small portion of their total credit limit during a given month. This reflects favorably towards you and can result in a bolstered credit score.
Learn more: How to Lower Your Credit Utilization Ratio?
4. Use different cards for different use
When looking at can you have two Discover credit cards, the answer is yes. However, there’s no point in having two cards if they serve the same purpose and offer the same rewards. A person should have different credit cards only if they use them for unique purposes that do not overlap.
FAQs
Technically, there is no limit to the number of Discover cards you can apply to at once, but remember that each application will result in a hard inquiry on your credit. When the company sees that there have been several inquiries in a short period, they may reject some of those applications as a result.
Yes, a person can have multiple accounts on Discover. There is no technical limit when looking at the question of how many Discover cards can I have. All of the accounts will be under one profile, though, rather than split apart.
Yes, Discover is an accredited credit card issuer with many different types of credit cards offered to consumers.
Having too many credit cards can certainly impact a person’s credit score if they fail to make payments on their debt or if they start incurring interest that they can’t pay. While the answer to whether can you have more than one Discover card is yes, it doesn’t mean you should due to this reason.
There are certain instances in which having multiple credit cards can be beneficial, such as if a person plans on using them for different purchases to accrue different rewards. While there is no rule as to how many Discover it cards can you have, it’s best to only get a new card if you will use it for a certain purpose.
To evaluate whether you need another credit card, you should first look at the current spending on the card you are using. Should you find yourself struggling to pay your debts on one card alone, then looking into how many Discover it cards can you have may not be a smart strategy.
The solution to how many Discover cards can you have at one time is technically limitless. A person can certainly have two cards, be beware that having multiple cards may not be a smart strategy as future applications may be rejected.
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