Can You Have Two of the Same Credit Card?

Almost every adult in the United States has a good credit card. Some of us may even have a credit card that we love and maybe thinking about opening an additional card of the same type. So, can you have two of the same credit card? We will answer this question in much detail below.

Can You Have Two of the Same Credit Card?

No, most card issuers will not permit you to have two of the same exact credit card. However, some card issuers offer different variations of the same card, and so you may be able to qualify for two of the same but slightly different credit cards. That said, although it’s not totally unheard of for a person to have two of the same credit cards, most card issuers do not permit consumers to have two of the same credit cards.

Why would someone want to have two of the same credit card?

Some credit cards offer extremely good rewards or benefits, which makes having two of them better. For example, some airline credit cards offer cardholders the ability to have a passenger fly with them at a reduced rate or for free, so having two of the same credit card allows them to have two passengers fly with them at a reduced rate or for free. Airlines and card issuers have noticed this trend, and so some card issuers have prohibited consumers from holding two of the same credit card.

That said, there are ways around this. For example, if you have or wife or a girlfriend and you often travel with them, instead of you having two of the same credit card, open an account for them and they can enjoy the same perks you do.

As such, although having two of the same credit card may offer you additional rewards, credit card issuers know of the practice and have limited their exposure to paying out too many rewards and benefits by permitting consumers to only having one credit card of the same type.

Here Are Some Methods That Will Allow You To Have Two of the Same Credit Card

Different Variations of the Same Card

Some card issuers offer consumers different variations of the same credit card. These different variations may offer your the ability to hold two of the same credit card.

For example, Citi offers its American Airlines Credit Card in different variations, a visa American Airlines Credit Card, as well as an American Airlines American Express Credit Card.

Both cards offer the same benefits and rewards, the only difference is that one of the cards is a Visa card and the other is an AMEX card.

If you find a card issuer that provides such variations, you may be able to hold two of the same credit card.

That said, you should not apply for both cards at the same time. To approve your odds of being approved for both credit cards, apply for one of them, wait two to three months and then apply for the second card.

By doing this, you should be able to have two of the same credit cards.

Citi Bank is not the only card issuers that offers different variations of the same credit card. Bank of America and Chase offer different variations of the same credit card. If the different variations don’t appear online, visit your local branch and they’ll have access to the different variations and they’ll be able to submit your application for the credit card that you want.

Authorized User

If you want to have two of the same credit card, one of the best ways to do this is to have someone else, such as your dad, mom, spouse, or girlfriend apply for the same credit card and add you as an authorized user on the account.

Once they’ve added you as an authorized user, you will be issued a credit card with your name on it just as would the primary cardholder. That said, the primary cardholder will be responsible for making payments on the account.

That said, you should be careful when adding yourself as an authorized user to another person’s account because although the primary cardholder is responsible for making payments on the account. If they miss any payments, your credit will suffer because the account will appear on your credit report. So, only add yourself as an authorized user on another person’s account that you know is responsible and will make timely payments on the account.

Applying For the Same Credit Card After Closing the Same Card

If you have a credit that offers rewards and a sign-up bonus and you closed your account, you may be approved for the same card again. However, some card issuers, such as American Express will not give you a sign-up bonus unless a certain amount of time has passed since you first received the sign-up bonus.

American Express and other card issuers do this to prevent consumers from constantly closing their accounts and re-opening them simply for the sign-up bonus.

That said if you have a specific credit card that you like and you close your account. If you wait for the specific period of time, you will be able to open the same credit card account again and qualify for any sign-up bonuses the card issuer is offering.

For example, American Express states that you can only qualify for a sign-up bonus once 24 months has passed since you first opened your account, not closed the account.

So, if you’ve had a credit card for 3 years and you closed your account, you may be able to open the same card and receive the sign up bonus yet against. However, to qualify for the credit card, you will need to have good credit. So, as long as you’ve made all your payments in full and on time, you should qualify for the same credit card.

That said, the waiting period is different from one card issuer to another. For example, to qualify for the sign-up bonus offered by the Chase Sapphire Credit Card, you will have to wait for 48 months from the date you received the first sign-up bonus to qualify for another one.

Credit Score Planet Frequently Asked Questions

1. Can you have two of the same exact credit card?

Some card issuers may allow you to have two of the same exact credit card, however, most card issuers prohibit you from having 2 of the same credit card.

2. Can you two credit cards from the same bank?

Yes, you can have more than one credit card from the same bank. Some banks offer different credit cards, and so you can have multiple credit cards from the same bank. That said, the credit cards will be different as most banks do not permit consumers to have two of the same credit card.

3. How long should you wait to apply for a second credit card?

You should wait at least 6 months to apply for a second credit card. Spacing out your credit card applications prevents the hard inquiries resulting from the applications from hurting your credit.

4. What happens if you apply for the same credit card twice?

If you apply for the same credit card twice, one of the credit cards may be denied as most card issuers only permit consumers to have one of the same credit card.

5. Can you apply for the same credit card that you already have?

Although you can apply for the same credit card that you already have, your card issuer will likely deny the application because most card issuers only permit consumers to have one of the same credit card. That said, if the card is slightly different, your application may be approved.