How long does it take to get a Discover card? This question is about the Discover it® Student Cash Back

How long does it take to get a Discover card?

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This question is about the Discover it® Student Cash Back

WalletHub, Financial Company

@WalletHub • 05/20/22 This answer was first published on 02/10/20 and it was last updated on 05/20/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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It takes 5 to 7 business days to get a new Discover credit card and 4 to 6 days for replacement cards, in most cases.

Some other credit card issuers do offer even faster access to card info, though. For example, American Express and Capital One may provide customers with their card numbers instantly after approval.

Once you receive your Discover it Card in the mail, you’ll need to activate it in order to be able to use it. You can do this in only a few minutes either by phone or online.

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tom_szekely, Member

@tom_szekely • 07/23/18 This answer was first published on 07/23/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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New Discover credit cards are always sent via priority mail, meaning that it would take 5 to 7 days to get your hands on a new card. That's free and it's way better than what other issuers offer - up to 10 business days by default. Replacement cards are expedited and will arrive within 4 to 6 days.

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What are my Discover it approval odds?

Your Discover it approval odds are good if you have a 700+ credit score; this means that you need at least good credit to qualify for most Discover it credit cards. There are, though, some Discover it credit cards that are easier to get.

For example, while it’s easy to say that the Discover it® Secured Credit Card offers good approval odds, the fact that most other Discover it cards require at least good credit for approval complicates things. Discover it approval odds aren’t the same for every applicant, either. Someone with perfect credit clearly will have a better chance at getting any Discover it card than someone with limited or bad credit, for instance.... read full answer

Generally, besides a certain minimum credit score, issuers require applicants to have enough income or assets to pay the bill, in light of the existing debt obligations. But each credit card company analyzes the data a bit differently.

Here are the credit scores required for good Discover it approval odds:

Discover it Secured Credit Card: Bad credit (below 640)

Discover it® Student Cash Back: Limited History

Discover it® Student chrome: Limited History

Discover it® Cash Back: Good (700+) credit

Discover it® Miles: Good (700+) credit

Discover it® chrome: Good (700+) credit

NHL® Discover it®: Good (700+) credit

In general, the lower a credit card’s minimum credit score is, the higher your approval odds will be. So, the Discover it Secured Credit Card has the best approval odds in the Discover it family. If you don’t know your credit score, you can check it for free on WalletHub. WalletHub is the only website where credit scores and reports update daily.

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How fast can I get a credit card?

It usually takes 14-24 business days to get a credit card, from the time you submit an application to when it arrives in the mail. But it’s possible to get a credit card in as little as a week if you apply online and request expedited delivery. Some issuers will even give you an account number to use for purchases before you receive your physical card. ... read full answer

A lot depends on your credit standing, the card you pick and how you apply for it. Each credit card issuer has its own approval criteria and timelines, after all. But there are several steps you can take to speed things up.

Here’s how to get a credit card faster:

Get preapproved: If you’re interested in a card from a certain issuer, you can also see if they have a preapproval check. If you’re preapproved for a credit card, your instant approval chances increase quite a bit.

Apply online: Online applications are always best because they send your data to the issuer right away. You also have a chance of being approved instantly if your credit exceeds what the issuer is looking for. You could consider applying for credit cards that are a little below your own credit range if you want the best chance of instant approval. But it might be better to risk waiting a little longer to get a card with greater benefits.

Frequently check for approval: If you’re not approved or denied instantly, the credit card issuer needs more time to verify and evaluate your information. This could take a few weeks. But most credit card companies allow you to quickly check the status of your application online or over the phone.

Speed up delivery: In almost all cases, it’ll take 7-10 business days for your credit card to reach you. But many companies allow you to pay for expedited shipping or even pick up your card at a bank branch sooner. And some companies will let you get your number immediately. For example, by downloading the Capital One app, you can see the number and verification information for new cards right away, so you’re able to use them for online transactions.

A big part of getting a credit card is figuring out exactly which card to apply for. One way you can move through this more quickly is by signing up for a free WalletHub account. Based upon your credit, we’ll recommend cards you’re likely to be approved for.

Whichever card you choose, you should never have to wait more than a month to get a new credit card in your hand. But it’s natural to want a faster process. And you can have it. Just follow these steps, and you’ll have a better chance of making the total wait time closer to a week.

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