Why I Have 2 Discover It Cards

The Discover It card is one of our favorite cards. One of the really great things that make it a keeper card is the Cashback Match. The only downside is that Cashback Match only applies for the first year of the card. If you get a second card, you get the Cashback Match again.

 discover cashback match

discover cashback match

Be aware the Cashback Match only applies to the respective card, and not both of them. For example, in your second year, the first card won’t have Cashback Match, but the second card will.

You can view credit card offers by going to the "Credit Card Offers" tab. Find offers for the respective cards in "Cash Back Credit Cards." You don't have to use our links, but we're grateful when you do. Thank you for supporting AskSebby!

5% Cash Back Categories

Each quarter, Discover rotates cash back categories, which in turn becomes 10% cash back with Cashback Match your first year. Instead of only earning $75, it becomes $150 cash back/quarter. Over the course of 1 year, you’re earning an additional $300 if you max out each quarter.

 discover categories via   discover  .  com

discover categories via discover.com

The great thing about Discover quarters is that it’s typically places I spend money on anyways like Amazon.com, restaurants, wholesale clubs, and grocery stores.

Discover Shopping Portal

The Discover It and Chase Freedom cards are the reasons why I don’t have an Amazon Prime card. I usually end up maxing out the 5% categories whenever Amazon is featured (10% with Cashback Match).

Outside of the 5% categories, Discover It deals often times has really great cash back rewards.

 discover it deals

discover it deals

I do most of my shopping online, so going through a cash back portal is a no-brainer. The Discover cash back rates seem higher compared to other portals.

 via discover portal

via discover portal

For example, shopping at Apple earns 5% cash back on the Discover portal, which is really 10% with cash back match. The only other portal that comes close is Chase Ink, at 6–8% cash back.

 via cashback monitor

via cashback monitor

 cash back rates via discover portal

cash back rates via discover portal

The Fine Print

If you’re trying to get multiple Discover cards, there are a few rules:

  1. You can only have up to 2 Discover It cards at one time
  2. You can only have 1 student card at one time
  3. You can only have 1 new card every membership year — after you receive the cashback match check. Even though the rules say 12 months, it’s really 13 months because you have to wait for the cashback match check.

There’s technically a way to be in your first year every single year, but it doesn’t make sense for most people.

 discover 2 card strategy

discover 2 card strategy

If you’re considering this method, I strongly recommend looking at the Discover It portal to see if it makes sense for you.

The cashback portal typically lets you stack on any other discounts or promotions, so you can get even more value.