text: two cycles average daily balance credit card question? ok i look discover has great deal on creadit card, but what is extaly two cycles average daily balance, do i paid in every 2 months or every month? if paid it full nothing to worry about it? for discover platium card is gas part of their 15 categories for 5% back? in a nutshell, 2-cycle means that they credit card issuers takes the average daily balance within 2-cycles to calculate your balance for the month.   in the regular average daily balance method, only your average balance for the present billing cycle is used.  if you have carry irregular balances or are in the process of gradually reducing your credit card debt, you are probably better off with a card that does not use the 2-cycle method. (see resource below for full explaination)