![]() (I’ll have to mark down on my calendar to check Flyertalk in February 2017 to see if there’s any reports on this.) But even if we would get a positive report from Discover themselves, it would be hard to justify putting real spend on the card for an entire year, based on faith in the system that the 3x bonus is churnable. The major problem here is that it will take a full year to verify whether your card is earning 3x or not – since the extra rewards only come at years end – and it’s impossible for us to have any data points for two full years from now. Instead, we could just apply for a second card after a year. If it is churnable, then we wouldn’t even have to cancel the card and re-apply. Again, I’m optimistic that this is churnable but I obviously don’t know. Now, we don’t know yet if this year is ‘churnable’ – if we cancel the card after one year and apply later for another one, will we get the 3x again for another year. As we know, the Miles card earns the equivalent of 3% back, but only for the first year. Third, let’s see how this can affect the new Miles card. Again, we can only get one card per year, so if you’ll apply soon for the Miles card, you won’t be able to get the second Cash Back card for another year. Second, this means that we can double our Discover quarterly category capacity by having two cards. Now, it’s possible that they won’t give the signup bonus more than once (see List of Churnable Credit Cards), but I’d give it a decent chance that they don’t have such a thing coded, since not many people apply for multiples of Discover cards. Based on this, we may be able to get that bonus more than once, even without cancelling the first card. First, the Discover Cash Back card comes with a signup bonus, sometimes as high as $150. The representative said the exact same reply that so long as your previous card is one year old it’s no problem at all. This time I didn’t ask about the Miles card at all, I just said that I’m a Discover Cash Back card member and I want a second card to separate certain expenses. Just to be sure, I called Discover again. The representative replied, “sure, so long as your previous card is more than one year old, you can apply for a second card”. On my second phone call to Discover, I asked them a different question: can I have two of the same version of a Discover card? I made it very clear that I wanted to know if I could have, for example, two Discover Cash Back cards. But there’s currently no way to save the hard-pull on your credit by doing a product change. You need to apply for a new account, at which time they may ask you if you want to close down the old account or just open a second one. Two reports indicate that Discover is not yet allowing doing a product change from the Cash Back card to the miles card ( 1, 2).(I’m putting my money on this being the case for everyone.) ![]() We’ll have to wait and see more reports on whether everyone has this experience or if it was an isolated experience. Seems that those who have an existing Discover account will automatically be prompted to call in and verify if they want to open a second account or if they want to close the old one and open the new one. One Flyertalk member applied online and the system told him to call in.Here are two reports regarding the new Discover Miles card. We wrote a full analysis on this earlier today, see Discover it Vs Discover it Miles – Which Card Makes More Sense? For this reason it’s important to weigh various factors such as the signup bonus and category bonus that Discover Cash Back comes with, versus the higher rate of rewards on ordinary purchases that Discover Miles comes with. Similarly, someone who doesn’t yet have either Discover card will now have to choose which card they want to get they couldn’t just apply for both. I called Discover twice and both representatives said the exact same reply: you can have more than one Discover card, but only if it’s been 12 months from when you got the previous card. Thus, anyone who only recently got the Discover Cash Back card will not be able to get approved for the new Discover Miles card. With the launch of the new Dicover IT Miles card, many people are wondering: how many Discover cards can someone have? If you have the Discover IT Cash Back card, can you get the new Miles card as well?
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