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Rules · Discover

Discover application rules

Discover has 1 application and bonus rule worth knowing before you apply: 1 is reported by applicants.

  • A year between cards, two at mostReported by applicants

    Discover usually wants your first Discover card open for at least 12 months before approving a second, and holds most people to two cards.

Issuers can approve, decline or withhold a bonus for any reason. These rules describe what usually happens, not a promise of what will. Last verified September 26, 2026.