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The Daily Insight Hub

Is it hard to get a Discover card?

Author

Rachel Davis

Updated on January 19, 2026

But we recommend a score of at least 700, which is toward the top of the good range, for the cards that require good credit for approval. So, most Discover cards may be a tough get for the average person, who has a credit score of 680-703.

Can I track when my Discover card will arrive?

You can check your Discover it® Secured Credit Card status online or by phone: 1-800-347-2683. You’ll need to provide at least your Social Security number (SSN) to help Discover locate your application. Click “continue,” and Discover will take you to a page listing the status of any applications you’ve made. 2.

Does Discover approve instantly?

Discover card approval may happen instantly when you apply, or you’ll get a letter and email within a couple of weeks. Your card should arrive 7-10 business days after you’re approved.

What is the starting credit limit for Discover?

The minimum credit limit a Discover it® cardholder will receive is $300, and no cardholders reported a Discover it® credit limit above $20,000 (though we’ve personally heard otherwise, with one cardholder reporting a credit limit of $25,500).

What is the maximum credit limit on a Discover Card?

The highest credit limit on a Discover card is not public knowledge, as Discover does not disclose a maximum credit limit for any of its unsecured credit cards. Some Discover cardholders have reportedly been approved for credit limits ranging from $10,000 up to $20,000.

Can I track my credit card in the mail?

You can go to the official website of bank and select ‘Track your credit card’. You will now be redirected to another page where you will have to enter your Air Way bill number. Once the number is verified, you can track your credit card location and when it will reach you for delivery.

How long does it take to get a Discover card in the mail?

5 to 7 days
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.

How do I know if Discover approved?

You can check your Discover card application status online or by phone: (800) 347-3085. Both methods are available 24/7. You just need to confirm your identity by inputting your Social Security number (SSN) and you’ll find out whether your Discover credit card application is approved, denied or pending.

What credit score do you need to get approved for Discover it card?

700
A credit score of at least 700 is required to get the Discover it Cash Back card. You’ll also need a steady income and a debt to income ratio lower than 30%. You should have no recent negatives and not too many hard inquiries in the past 6 months.

How long does it take to get a credit card from discover?

This process can take from a few seconds to a minute or more depending on your internet speed and network conditions. After the credit check is complete, you get a decision on the screen. There are three possible outcomes:

How long does it take to get a credit card?

Some credit card issuers provide a special website to check your application status. Just give it a couple of days from the date of your application and check if you have been approved. If you have been approved, some credit card issuers will expedite the shipment of the card for free, while others will charge a nominal fee.

How can I get a Discover credit card for free?

Some companies will expedite the shipment of the card for free and others are allowing consumers to get access to instant credit without having the card in hand. Some credit card issuers provide a special website to check your application status (Discover applicants can check their status here ).

How to get discover it card in the mail?

I applied for the Discover it card on Friday afternoon and was instantly approved. I never recieved a confirmation email or welcome email. I was able to check my credit limit immediately on there website, which is $8,500.