September 24, 2019
Twelve-month wait reported as possibly loosened
Doctor of Credit flagged two data points of second cards approved in under a year, one via preapproval, and suggested the wait rule may have changed.
Sources:doctorofcredit.com ↗
Documented application rules
Discover
Discover application rules, documented: 1 tracked rule (1 active as last confirmed), 3 dated rule changes on record since 2015, most recently September 24, 2019. Every change dated and sourced; statuses reflect our last documented confirmation, not live issuer policy.
Jump to:Two-card limit / 1 per 12 months
Two-card limit / 1 per 12 months
Active — last confirmed September 24, 20193 documented changes since 2015Full history →
July 26, 2019
Two-card limit and one-year wait restated in reference guide; frozen reports not accepted
Doctor of Credit's reference states a maximum of two Discover-issued cards, with the first open a year before the second, only one student card, and no approvals with a frozen report or a temporary PIN.
Sources:doctorofcredit.com ↗
September 1, 2015
Rule first documented with official Discover response
Date approximate; post written around the Discover it Miles launch. Discover's official response was that a cardmember can be primary on two accounts and is considered for a second only after holding the first for at least a year.
Questions
Is the Discover Two-card limit / 1 per 12 months still active?
Yes — on our documented record it is active, as last confirmed September 24, 2019: Twelve-month wait reported as possibly loosened. Statuses reflect our last documented confirmation, not live issuer policy — every change is dated and sourced on this page.
When did the Discover Two-card limit / 1 per 12 months start?
Our earliest documented entry is September 1, 2015: Rule first documented with official Discover response. The rule has 3 documented changes on the record since then.
What was Discover's most recent documented rule change?
September 24, 2019 — Two-card limit / 1 per 12 months: Twelve-month wait reported as possibly loosened.
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Application rules are unwritten issuer policy: they change and get enforced without notice, and exceptions exist. Statuses reflect our last documented confirmation, dated on every rule — not live issuer policy. Not financial or legal advice.
Cite this data
Bonus Eagle. “Discover — The Application Rules Record.” bonuseagle.com. https://www.bonuseagle.com/rules/discover
Data is free to use with attribution to bonuseagle.com.
The other two records: this issuer's devaluation history and welcome offer history.