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 rule history
Active — last confirmed September 24, 2019Discover Two-card limit / 1 per 12 months
Is the Discover Two-card limit / 1 per 12 months still active? On our documented record it is active, last confirmed September 24, 2019: Twelve-month wait reported as possibly loosened. We have 3 dated, sourced changes on record since 2015. Statuses reflect documented confirmations, not live issuer policy.
Every documented change — newest first
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 — active on our documented record, as last confirmed September 24, 2019: Twelve-month wait reported as possibly loosened. Always verify before applying — issuers change unwritten rules without notice.
When was the Discover Two-card limit / 1 per 12 months first documented?
September 1, 2015: Rule first documented with official Discover response. Since then we have documented 3 changes, each dated and sourced on this page.
What changed most recently in the Discover Two-card limit / 1 per 12 months?
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.
Application rules are unwritten issuer policy; they change and get enforced without notice, and exceptions exist. Statuses reflect our last documented confirmation, not live issuer policy. Not financial or legal advice.
Cite this data
Bonus Eagle. “Discover Two-card limit / 1 per 12 months — The Application Rules Record.” bonuseagle.com. https://www.bonuseagle.com/rules/discover/two-card-limit-1-per-12-months
Data is free to use with attribution to bonuseagle.com.
All Discover rules: the full issuer page.