Apply for discover card1/16/2024 ![]() ![]() Discover reports for statement balance to credit bureaus.In the past they’ve offered a $150 bonus on the Discover it card and they currently double your cash back for the first year, that could be a good option for those that’ll max out their 5% categories or make use of their portal often. It’s possible to churn Discover credit card bonuses.They might be able to approve you by answering a few questions, as always read this guide first. If you’re denied for a Discover credit card, call their reconsideration department.Keep in mind both cards need to have a minimum credit limit of $500. If it’s just for existing cards, it depends. Relocating credit limits is a soft pull if done at the time of a new application.Basically if they counter what you asked for then it’s a hard pull. Discover does a soft pull for small credit limit increases and a hard pull for big credit limit increases.This also means that multiple inquiries won’t be merged, as you can only apply for one card at a time. Your first account needs to be open for a year before the second can be opened and you can only have one student card. You can have a maximum of two credit cards issued by Discover.They offer more cards than you might think (e.g Discover it, Discover it Chrome, Discover it Secured & Discover it Miles) ![]() ![]() You can view what cards you’re pre-approved for online.Usually a good idea to check online & call. Because they don’t have any annual fees, they don’t really offer any retention bonuses but you can call and ask if they have any spending bonuses tied to your account. Discover doesn’t offer retention bonuses, but you can get spending bonuses on their cards. ![]()
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