Discover offers two primary credit cards: Discover it & Discover it Miles (and variations such as Discover it Secured). Discover limit you to a total of two credit cards and you must wait one year in between cards as well. Up until now it hasn’t been possible to product change a Discover it to a Discover it Miles card.
Reddit user anime4all was sent an e-mail stating that they are no able to complete this conversion by calling 1-800-DISCOVER. The Discover website still says this type of conversion is not possible, but I suspect that will soon be updated.
The main reason people want the Discover it Miles card is because it earns 1.5% cash back, that’s not that attractive considering there are plenty of options that earn 2% cash back on all purchases (or more). Both the Discover it & Discover it Miles cards earn double rewards at the end of your first year though, making the Discover it Miles card 3% cash back the first year. I assume product changes won’t be possible within this first year, if that’s the case why would people want to make this product change?
[Read: How to Maximize Discover Cash Back Redemptions]
The answer is that most people won’t and I certainly wouldn’t recommend it. The Discover it earns 5% cash back in rotating categories and that should prove far more valuable than a relatively useless 1.5% cash back card. The Discover it Miles card does come with an annual $30 airplane WiFi reimbursement that some people might find useful though.
The real question is, will Discover allow product conversions done in reverse? For example, can I product change a Discover it Miles into a regular Discover it card? Even if they do you might be better of simply cancelling the Discover it Miles card and applying for another Discover it card directly (well make sure you get the $50/$50 bonus) because that way you should get the doubling in your first year. Let us know your experiences in the comments.
Miles now allow referral. If you want one to get 10k miles, please go tohttps://www.doctorofcredit.com/psa-old-discover-referral-links-no-longer-work-share-new-referrals/. My referral code is in the comment area.
Alex, can you send me a screenshot of the 10k offer from your Discover login and the other details shown there? Thanks! ([email protected])
Never mind, got it
Sorry, Chuck. Did not got notification for your reply. But anyway, you got it.
And for people who want the referral, please go to this page: https://www.doctorofcredit.com/discover-miles-referral-page-5000-bonus/
Quick question, I would like to reapply for the DIscover It card. I had the card in the last year and closed it. I have had my other Discover card for over 15 years. Amazon has a $75 statement credit with any purchase on the Discover It card. I got this promo in the past. Do you know if I have to wait a certain period to reapply in getting the promo?
Thanks!
FYI if you are enrolled in the cash back match, you cannot convert until it ends. I tried to switch due to the 30 WiFi credit, but they told me I was enrolled in cashback match on 12/19/16 and will not be eligible for product change until 4/19/2018. They were also unable to un-enroll me from the promotion. The CSR spoke to a supervisor to confirm, but I did not escalate it further.
I did conversion from Miles card to IT card. Just did a chat to convert it. I may plan to apply for the miles card again.
My wife and I just product changed in 60 seconds from Miles to It. No hesitation on the part of the CS rep. No cost. No hard pull. Points in Miles account convert over.
I didn’t care about the referral bonus. I didn’t want the hard pull via cancel of Miles and reapp for It.
Had a plain Discover card. Applied for and got a Discover It card in November of 2015 when the Apple Pay promo came around. Mid-2016 cancelled my original plain Discover Card. Promo for double cash back paid in December 2016. Applied for Discover IT Miles card and got approved. Getting Double rewards on Miles card. Confirmed through process and seeing many references to doubling in quarterly emails and statements.
Miles card does not have category bonuses and rarely (never?) gets the Kohl’s $10 “coupon”.
After this year I suspect these cards will get little use. 1.5% doesn’t get you to the table. But I’ll take 3% while it lasts.
I have an It card and have never gotten the Kohls coupon either.
If i have just the plain discover card, can i sign up for the discover it?
Yes, Absolutely, you can have the “regular” Discover and apply for a second card, which would now be an “IT” or “IT Miles”. You’ll have two separate accounts to manage, but would most likely qualify for the double rewards during the first year, and you would also have up to $6,000 per quarter in the revolving categories – up to $3k on each card.
Discover used to also allow you to ask for your credit lines to be divided; if they couldn’t approve a new card, you could reduce the old card’s limit and apply that to the new card account.
My understanding from my sister is Discover It Miles does not get the 5% quarterly bonuses
but Discover It gets the 5% quarterly bonuses.
Correct
At least the miles card gives you free $30 Wifi credit per year.
My though is to product change from discover it to miles, and then resignup for discover t to try and get double cash back in 1 yr again?
Good idea?
Not sure the PC is strictly necessary
Could cancel but would like to lengthen age and keep this acct for a few reasons.
But i would have to pc or cancel to get again right? (Did think they would allow 2 of same card). Thx
Quite some folks I know have two Discover It.