It’s almost been a year since I got my first credit card, the Discover it Chrome. I wanted the Discover it Cash Back, but I think as a first credit card you couldn’t get that.
Now that I'm getting close to having the card for a year, I'm trying to figure out what would be the best move for both building my credit and maximizing cash back.
I'm considering two options:
Product change my Chrome to the Discover it Cash Back.
Apply for a second card (the Discover it Cash Back) and keep my Chrome open.
I've read that opening a second card can temporarily lower your score because of the hard inquiry and new account, but it can also help build a thicker credit profile over time. I've also heard that it's generally better to have multiple revolving accounts rather than just one.
I'm not planning on taking out a major loan anytime soon, so I'm more concerned about building a strong credit profile long-term and getting the most rewards possible.
Would it make more sense to apply for the second card once my Chrome reaches 12 months, especially if I could get the first-year Cashback Match? Or would product-changing be the smarter move?
I'd appreciate any advice!!

I’m sure I am not the first in this group to ask this, but it seems like any offer they have on the website that I’m interested in using has crazy exclusions for basically everything that most people would use it for. Are the good offers just come and go ? Do you have to use the crappier offers to get to the good ones ? Anything helps TIA

I have to pay off a hotel bill and the app completely changed and it wont let me pay of the statement balance. I got the capital one account but i dont see my card in there at all. How am i supposed to pay this thing off.

I have Discover It and already set up the app and everything with C1. Is it possible to upgrade it to a traditional Capital One credit card (Venture X or sth) without losing my credit history with Discover? I had it for over 5 years, don’t really need the card anymore, but don’t want to really close it either for history.

If you already have a capital one account, will my discover account auto add? Or is there something I have to do?