Yasss: Just Got My 3rd Discover it® Cashback Match™ Card (And New Application Rules!)

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When last we spoke of my beloved Discover it® Cashback Match™ card, I’d been rejected from getting my 3rd card for a 3rd year in a row. And encouraged to apply again “at a later time.” 🙄

On a hot October morning, and on a lark, I rang Discover to reconsider me one more time. The phone agent explained the application had expired even though it had been under a month. Then repeated that ingratiating little line: “You are welcome to apply again any time.”

I noticed Discover did NOT pull my credit last time I applied. So reasoned even if they did, it was hit I was planning to take anyway. I asked if I could apply with her on the phone, just in case.

I selected the rainbow design again. Entered all in my info. Pressed “Submit Application,” and got my little high. And then…

third discover it


I was approved for my 3rd Discover it® Cashback Match™ card! Visions of The Dublin danced in my head. And I learned why my previous application was auto-denied…

Discover’s new application rules

I had it in my head I could apply for a 3rd Discover card if it had been over a year since my last application (Discover will let you have 2 cards at once).

I got my 2nd card on September 8th, 2016. So I was a little surprised when my application was rejected on September 14th, 2017.

I asked the phone agent about this. She said applications are on a rolling 12-month period now. Meaning if I last applied in September 2016, I had to wait until after September 2017. AKA October 2017. And next year, I have to wait until November 2018, based on this new information.

That was the tidbit of information that really convinced me to apply again. And I’m glad I did, because I received my trusty new card in the mail on Friday!

I LOVE the Discover it® Cashback Match™ Card

This card is criminally underrated. If it’s not in your stable, I’d recommend another look.

Discover’s bonus categories are typically very good – like gas, restaurants, and Amazon

For one, if you make the most of the rotating quarterly bonus categories, you can get an easy $600 the 1st year you have the card.

I wouldn’t start with this card if you’re new – Chase cards come first – but if you’re looking for a solid card, Discover generally has easy approvals and nice credit lines.

Boom! I love this card

Last year, I got $2,200 in cash back and this year, I’ll get over $1,900. So the idea of getting several hundred dollars – or over $1,000 – from a card with NO annual fee and no foreign transaction fees is really dang appealing.

Plus, the Discover Deals shopping portal has excellent payouts – and it’s all matched after your 12th billing cycle, too.

When you sign-up with my link, you’ll also get $50 after your 1st purchase – that’s matched too. ALL the cash back you earn from this card – from the sign-up offer, shopping portal, bonus categories, promotions throughout the year, and regular spending – is matched after your 12th billing cycle. Kind of incredible, even if you have to wait a full year for the payoff.

Just remember to activate the bonus before you start shopping. And nope, I don’t have issues with card acceptance – maybe once or twice in the past couple of years and only because the places only took Visa or MasterCard. If you shop online with it, you won’t have any issues at all.

Why I like “It” Vs. “It Miles”

Quite simply: I prefer having bonus categories.

Discover It Vs. Discover It Miles

Peeps ask me why I don’t go for the “It Miles” version of the card, which matches 1.5% cashback after the 1st year (essentially making it a 3% cashback card for a year).

I love the idea of getting the cashback match on 5% – which makes it a 10% cashback card in the bonus categories. They’re quite good, too. This quarter, I plan to spend a lot with Amazon (as I assume lots of peeps will because of Christmas shopping).

But if you want a 3% cashback card for a year, it’s hard to beat the Discover it® Miles card.

But they’re both excellent cards. Some peeps like simplicity while others like a big return on certain purchases. Just depends if you like bonus categories or not, really.

Or if you can do well with both, get one then the other – just wait a year between applications. 😉

Bottom line

So yeah. If you wanna hop on the Discover train, mid-quarter is a great time to sign-up. Because you can get the cashback match for Q4 categories 2 years in a row if you time it right.

I’m like shaking

I’ll prolly write about this card again soon because my second Dublin is coming up on October 27th, 2017 (another $963 going to my bank account!). This card has become an expected gem and to say I love it is an understatement. I also like the new card designs – and am thrilled they have a rainbow flag option. How cool is that?

A card with no annual fee, no forex fee, great bonus categories, and access to a fantastic shopping portal makes this card a no-brainer. Just remember you can now only apply for one card per rolling 12-month period. And can only have 2 cards at the same time.

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About Harlan

Just a dude living in Dallas.

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    • Most of my spend here is organic – I buy a lot of stuff for my Airbnb properties and use the bonus categories to full advantage. I kinda gave up on MSing a long time ago. :/

  1. Congrats on getting your 3rd Dublin card! I keep pondering this card and have yet to pull the trigger. I now have 2 Freedoms and wonder how many 5X quarterly cards I can take advantage of? I’ve thought about trying to PC my Citi TY Preferred (which was PC’d from Premier) to a Dividend. But that 10X is in the back of my mind.

    • I see what you mean! The Freedom/It categories don’t have a ton of overlap. In Q1, both had gas stations, but It also had warehouse clubs. And in Q3, both had restaurants, which is great because that’s a huge category for me.

      Right now (Q4), Freedom has Walmart and department stores, while It has Amazon and Target – which I actually prefer.

      If you have a credit pull to spare, I’d just go for it. There’s no annual fee and the bonus categories are typically quite good. Plus the shopping portal is great. And yeah, the 10% back is pretty great lol. Lemme know if you pick it up! Or have luck PCing your Citi card again – that would be pretty cool too!

      And great to hear from you, DW, I hope you are well! 🙂

  2. I’m so glad I found this! I was in the same boat as you (well, with my second card attempt). Waited a few days after the anniversary of receiving my first card, denied for second (with 802 credit score, mind you), called, and was told the same thing as you.

    I just applied again, after my 12th statement closed, and was approved for my second card almost instantly. Thanks for the great tips and the $50 referral link!

    • Yes! I’m so glad it worked for you – now you get another year of The Dublin! 🙂

      Thank you for reading and commenting! Enjoy this incredible deal for a second (and third!) time! Woot woot!

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