# Discover — documented application rules

> 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.

## Two-card limit / 1 per 12 months — Active — last confirmed September 24, 2019

- **2019-09-24**: 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: https://www.doctorofcredit.com/how-many-discover-cards-can-you-have/
- **2019-07-26**: 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: https://www.doctorofcredit.com/things-everybody-should-know-about-discover-credit-cards/
- **2015-09-01**: 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. — sources: https://www.doctorofcredit.com/how-many-discover-cards-can-you-have/ · https://upgradedpoints.com/credit-cards/applying-for-credit-cards-bank-rules/

Canonical page: https://www.bonuseagle.com/rules/discover
Full dataset: https://www.bonuseagle.com/rules/dataset.csv (CC BY 4.0)