Discover It Card

Earn big‑time cash back that never expires.

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Earn big‑time cash back that never expires with Discover it®.

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Get the credit card that's got it all: Discover it®.

Discover it® gives you big‑time cash rewards with 100% U.S.‑based customer service.

Discover it® Card

Sponsored

Get the credit card that's got it all: Discover it® 

Discover it® gives you big‑time cash rewards with 100% U.S.‑based customer service.  

Sponsored

Earn big‑time cash back that never expires with Discover it®

Earn big-time cash back that never expires with Discover it. See Rewards
What are instant approval credit cards?

Need credit fast for an emergency or upcoming travel? Instant approval credit cards are a convenient way to take the guesswork out of the application process. Instant approval means that when you apply for the credit card online you will receive a quick decision, often within a few minutes, on whether or not you have been approved.

How the instant approval process works

When you apply for an instant approval card online, the credit card company will run a preliminary credit check. Generally, the higher your credit score is, the more likely you will be approved for the card.

Once the credit card company receives your score and approves your application, they usually issue a “conditional approval,” while they perform a more thorough check of your credit history. Creditors typically determine your creditworthiness by examining your financial background including your prior credit card usage, income, and they will verify you meet their age and residency requirements. Therefore, an instant approval is not always a guarantee you will receive the card. 

What you need to know before you apply

Generally, to receive an instant approval, you need to have good to excellent credit.  However, for example, if you are a student with a limited credit history, you still have plenty of options. Several credit card companies offer prepaid, secure and instant approval student credit cards that can help. 

While you can get a decision quickly, it’s important to take your time to shop around and compare instant approval offers. To ensure you find the best credit card for you, always read the fine print and research the features and benefits of the card before you apply.

While the approval process varies by issuers, an instant approval does not mean you have immediate access to the credit card. Typically you will have to wait 5-7 days to receive your new credit card and terms.

Discover It Card

Earn big‑time cash back that never expires.

Sponsored

Earn big‑time cash back that never expires with Discover it®.

Sponsored

Get the credit card that's got it all: Discover it®.

Discover it® gives you big‑time cash rewards with 100% U.S.‑based customer service.

Discover it® Card

Sponsored

Get the credit card that's got it all: Discover it® 

Discover it® gives you big‑time cash rewards with 100% U.S.‑based customer service.  

Sponsored

Earn big‑time cash back that never expires with Discover it®

Earn big-time cash back that never expires with Discover it. See Rewards

Is it safe to apply for an instant approval card?

While providing your personal financial information through a website can be scary, credit card companies use data encryption to help keep your personal financial information safe. However, it’s always a good idea to apply for the credit card directly through the credit card issuer’s website, and look for additional safety notifications like a padlock or verified security badge.

Taking the time to research before you apply can help you find a low interest or rewards card offering instant approval. Once you get approved, you’ll soon have a new card in your wallet rewarding you for everyday purchases from gas to groceries.

Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.

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  • Discover It Card

    Earn big‑time cash back that never expires.

    Sponsored

    Earn big‑time cash back that never expires with Discover it®.

    Sponsored

    Get the credit card that's got it all: Discover it®.

    Discover it® gives you big‑time cash rewards with 100% U.S.‑based customer service.

    Discover it® Card

    Sponsored

    Get the credit card that's got it all: Discover it® 

    Discover it® gives you big‑time cash rewards with 100% U.S.‑based customer service.  

    Sponsored

    Earn big‑time cash back that never expires with Discover it®

    Earn big-time cash back that never expires with Discover it. See Rewards
Earn big-time cash back that never expires with Discover it. See Rewards