Posted by Don L on February 27, 2019
Credit Cards

Published on February 27th, 2019 | by Don L

29

Discover Credit Card Online Conversion Tool

The Tool

Direct Link to tool

Discover Card has an online product change (card conversion) tool.

The Details

The Discover Card conversion tool should allow you to switch between various flavors (reward programs) of the Discover IT Card with no application (and no credit inquiry).

Discover IT Conversion Options:

  • Discover IT
    • Rotating 5% categories, up to $1,500 per quarter
  • Discover IT Chrome [Discover IT Gas & Restaurants]
    • 2% on gas and restaurants up to $1,000 per quarter
  • Discover IT Miles [Discover IT Travel]
    • 1.5% cash back (don’t believe the first year doubling would apply to a product conversion)

It appears that the tool only allows product changes among the three cards listed above, but Discover does have additional cards options: secured, student, …, business.

Conversion Timeline:

  • The conversion is not instantaneous, it happens at the end/close of your statement/billing cycle.

Our Verdict

The card conversion tool actually didn’t work for me 🙂 [I needed to call in to perform the product change (Discover IT Miles -> Discover IT)].

The issue was probably caused by the tool improperly handling two credit cards attached to one login (it was only allowing me to change one of my two cards).  [Update: It looks like Travel with Grant was able to find a work around for this problem, by freezing the card that he did not want to product change].

But if the tool is valuable to you, we would be interested in your data points.

A few things to keep in mind:

  • The common wisdom is that you can only hold 2 Discover Credit Cards
  • The Discover IT Miles Card (1.5% doubled after the first year [3%]) is considered churnable with a new signup (not a product conversion).

A full collection of Discover rules is available in 17 Things Everybody Should Know About Discover Credit Cards, and here’s a post specifically on Discover IT Miles to Discover IT product changes.



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Mark R.
Mark R.

Just converted from Discover it Miles to Discover it (i.e. rotating 5% categories). Very simple process and ended with a confirmation stating my new card will arrive after the close of my next billing cycle. Great new online tool! Would be great to see other banks follow.

Steve
Steve

Same Here!

Phill
Phill

Also looks like you can’t have two 5% It cards at once. Tried to convert my it Miles over to another It 5X cat.

Kelly
Kelly

Not true…I have two 5% It cards.

Phill
Phill

Interesting. I guess I would have to call in to PC over since the tool won’t allow me to for the itmiles card. I guess I’ll just wait until after March to use the wi-fi benefit one more time.

Information Booth
Information Booth

+1… John 3:16

Snorlax
Snorlax

I have two 5% cards.

Austin
Austin

Not true. I have 2 discover it cards.

mtholliscp
mtholliscp

Right on time for me. The removal of the wifi credit axed the IT Miles from my travel wallet, but I was dreading the call for conversion.

Lrdx
Lrdx

Conversion call was totally smooth, took approx 5 minutes total, when I did it ~half a year ago.

Son
Son

Thanks. I just changed my Chrome to the 5% rotating version. Quick and easy.

TomT
TomT

You can also close your Discover It Miles and get a second Discover It that would provide the 1st year doubling on the 5% rotating categories. I did this myself and received a letter confirming the doubling. Why would you PC when that would only get you 5%?

rick b
rick b

I’m thinking of opening a IT miles business version for the 1 year match. I still have the original personal card with high credit limit. Has anyone been able to transfer over limits between personal and business? It sucks that they always seem to start you off with tiny CL which makes it hard to maximize the match promo.

Trevor
Trevor

FYI I think they report biz cards on personal credit report. Doc has an article about it.

mjonis
mjonis

Mine won’t work either. Every time I try, it keeps pushing the date back. First they said, I had to wait until 2/21. Then 2/26. Now 2/28. I have the Discover “more” that I’m trying to convert. I have the Discover IT as well. Although perhaps I should just keep it and try to max out the 5% on both cards, LOL

Emily
Emily

Do you still get the first year match on a conversion?

Security
Security

Don L New guy on the team? Am I missing something? Nice post.

William Charles

Don has been around for awhile, thanks for encouraging him as his posts are always great we just need him to do more of it =)

Security
Security

Of course!

Jamie Wood
Jamie Wood

Success and thanks for posting went from chrome to it new card on the way took 1 sec

P
P

Does anyone know what credit bureau discover usually checks when applying? just checking to find out what I should unfreeze

Radster
Radster

A word of warning, the conversion is not instantaneous, and actually takes place the at end of your current statement period. I missed out on the 5% bonus for this quarter as a result of leaving it too late (I assumed it would be an instant conversion).

lol
lol

does converting your card count as a new account under 5/24?

Chuck

It should not

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