discover cards

How many discover it cards can you have

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Easy-approval Discover cards

Not all Discover cards are hard to get. Below are three Discover credit cards that rank among some of the easiest credit cards to get across issuers.

As of Nov. 07, 2022

Discover it® Secured Credit Card Discover it® Student Cash Back Discover it® Miles

Rating image, 5.00 out of 5 stars.

5.00 stars

Info IconCircle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Rating image, 5.00 out of 5 stars.

5.00 stars

Info IconCircle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Rating image, 4.50 out of 5 stars.

4.50 stars

Info IconCircle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Apply Now for Discover it® Secured Credit Card

On Discover's Secure Website.

Apply Now for Discover it® Student Cash Back

On Discover's Secure Website.

Apply Now for Discover it® Miles

On Discover's Secure Website.

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Rates & Fees Rates & Fees Rates & Fees

Credit Rating Requirement:

New/Rebuilding Under(579) Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Credit Rating Requirement:

Fair/New to Credit Under(669) Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Credit Rating Requirement:

Good/Excellent (670-850) Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Welcome Offer: Info IconCircle with letter I in it. Discover will match all the cash back you’ve earned at the end of your first year.

Cashback Match

Welcome Offer: Info IconCircle with letter I in it. Discover will match all the cash back you’ve earned at the end of your first year.

Cashback Match

Welcome Offer: Info IconCircle with letter I in it. Discover will match all the Miles you’ve earned at the end of your first year.

Miles match

Rewards Program: Info IconCircle with letter I in it. 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically

1% - 2% Cashback

Rewards Program: Info IconCircle with letter I in it. 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically

1% - 5% Cashback

Rewards Program: Info IconCircle with letter I in it. Redeem for Travel or Cash. Easily redeem Miles as a statement credit for travel purchases or get cash

1.5 Miles per dollar on purchases

Intro APR:

Purchases: n/a

Balance Transfers: 10.99%, 6 months

Intro APR:

Purchases: 0%, 6 months

Balance Transfers: 10.99%, 6 months

Intro APR:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR:

25.99% Variable APR

Regular APR:

15.99% - 24.99% Variable APR

Regular APR:

14.99% - 25.99% Variable APR

Annual Fee:

$0

Annual Fee:

$0

Annual Fee:

$0

Highlights:

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "Apply Now" to see terms and conditions.

Highlights:

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No credit score required to apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.99% - 24.99% applies.
  • Click "Apply Now" to see terms and conditions.

Highlights:

  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR will apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "Apply Now" to see terms and conditions.

Apply Now for Discover it® Secured Credit Card

On Discover's Secure Website.

Apply Now for Discover it® Student Cash Back

On Discover's Secure Website.

Apply Now for Discover it® Miles

On Discover's Secure Website.

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Other reasons you could be denied for a Discover card

Like other credit card companies, Discover looks at more than your credit score when you apply for a card. It could deny your application based on other factors. Here are some common examples.

Insufficient income

There are multiple ways your income affects credit card applications. Discover uses your income to determine if it will approve you for a card and, if so, what your credit limit will be. What's especially important is your income compared to the credit you already have. If you make $45,000 per year, that would typically get you approved for a credit card. However, if you already have $50,000 in total credit across other credit cards, that could be an issue that prevents you from getting a Discover card.

Recent accounts opened

Another risk factor that can make card issuers wary is when you've opened multiple new credit cards. Credit card companies could question why you're getting so much credit. If you've opened multiple cards with other card issuers in the last six months to a year, Discover may decide not to issue you a card.

Recent credit inquiries

A high number of credit applications also makes you a riskier applicant. You could have trouble getting a Discover credit card if you've applied for multiple credit cards or loans recently, even if you weren't approved for some of them.

If your Discover credit card application is denied, you'll get a letter in the mail with the reasons for the denial.

TIP

Getting approved for a credit card

Is it good to have 2 Discover cards?

For the opportunity to build your credit If you're vigilant about paying your balance off in full and on time every month, a second card could lower your utilization ratio as your total credit card limit would increase.

What is the highest Discover card limit?

The highest credit limit on a Discover card is not public knowledge, as Discover does not disclose a maximum credit limit for any of its unsecured credit cards. Some Discover cardholders have reportedly been approved for credit limits ranging from $6,500 up to $9,200.

Can I have two Discover cards on one app?

First, if you have multiple accounts with Discover, the next time you login you should be prompted to link them. After clicking “Get Started” you will be asked to verify your accounts. The first account listed is the one linked to the login you are using. The second account is the one linked to the other login.

How many credit cards can I have at once?

The bottom line: In terms of the number of credit cards you can get, there is no maximum. A particular issuer might cap the amount of credit you can have, but the number of cards isn't a problem.

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