Are you thinking of applying for a Discover credit card and want to get some extra perks? The invitation code might be a great and easy way to start the application process. Discover’s special invitation program offers cool benefits and an easier application process.

In this helpful guide, we will explain everything about invitation codes, from what they are to how to use them. Whether you have an invitation code or not, we will show you the step-by-step process for applying for the Discover credit card.

Let’s dive into the article and discover how to use the invitation code to make your Discover credit card application process easier and faster.

What is Invitation Code?

The invitation code is a unique code that is sent to selected individuals by mail or email. It gives access to pre-selected Discover credit card offers, such as special credit limits, cashbacks, and terms not available to the general public. It means Discover has considered you and believes you are a good fit for their card.

If you have an invitation code, visit, enter your code, and enjoy the exclusive Discover credit card offers.

Who Should Consider Using an Invitation Code?

People who have been pre-selected by Discover: If you have received an invitation code through mail or other channels, it means Discover believes that you might be a good fit for their credit card. Using this code, you can apply for the Discover credit card and get approval also.

People who want an easier application process: The invitation code takes you to a dedicated application portal on, where you can complete your application process more easily and quickly.

People who want exclusive offers: If you are a pre-selected user and have the unique invitation code, you will get better terms, such as higher credit limits, exclusive offers, and benefits from Discover, which are not available for other regular card applicants.

People who want fast approval: Your application is more likely to get quick approval since you are a pre-selected user with an invitation code.

People who value pre-approved credit offers: Discover credit card sent the invitation code as a form of pre-approval to those who value credit card offers. activate

Benefits of Using the Invitation Code.

Quick Application Process: Below your invitation code, you can see a unique link redirecting you to a dedicated application portal on This portal is designed to provide a quicker and more user-friendly application process than the general one. This can save you time and hassle.

Better Offers and Rewards: Having an invitation code means the Discover team has pre-selected you to apply for a credit card as you are a good fit for their card based on the criteria. This might mean you get exclusive terms such as a higher credit limit, exclusive offers/rewards, and a better interest rate as a regular credit card applicant.

Increased Approval Chances: It’s not guaranteed, but the invitation code has a higher approval chance because Discover has already pre-selected you and sent you the invitation code. So, if you have ensured approval but have the invitation code, you have a higher chance of becoming eligible for the credit card.

No Annual Fee: Unlike other cards with higher annual fees, you can enjoy the no-annual-fee parks if you have a Discover it credit card.

Easier Application ProcessGiven a dedicated portal for an easier and quicker application process.
Pre-selected OffersUnlock more favorable and exclusive credit card offers with better terms.
Increased Approval chancesThe invitation code gives you a higher approval chance for a Discover credit card.
No Annual FeeThere is no annual fee for those who got approval using the Discover It invitation code.

How to Use an Invitation Code?

Here is the step-by-step process on how to use your invitation code:

Step 1: Before you begin your credit card application process, make sure you have all the necessary information on hand, such as your Social Security Number, date of birth, address, employment information, and income details.

Step 2: Go to or the dedicated application portal for invitation codes. They are primarily provided in your email under the Discover credit card invite code.

Step 3: During the initial application process, you will see a field for entering your invitation code. Enter your invitation code correctly.

Step 4: Once you have entered the code correctly, proceed to the next steps of the application, where you typically fill out information about yourself, your finances, and your employment details.

Step 5: Before clicking the submit button, carefully review all the information you have entered to ensure accuracy.

Here are some additional tips to remember:

  • Keep your invitation code handy throughout the process.
  • Always check the expiration date of your invitation code; the expired code will not work.
  • Answer the questions about your finances and credit history correctly.
  • Before submitting your application, always review Discover credit card terms and conditions.

By following these steps, you can easily use your invitation code to complete the application process for Discover credit card more quickly.

Discover Credit Card Customer Service Details

Official Website
Live ChatClick Here for live chat
For U.S.1-800-347-2683 (English/Español) Available 24 hours a day.
Outside U.S.1-224-888-7777 (English/Espanol)
Payment addressesPO Box 6103 Carol Stream, IL 60197-6103PO Box 45909 San Francisco CA 94145-0909PO Box 70176 Philadelphia, PA 19176-0176PO Box 71242 Charlotte NC 28272-1242
general inquiries addressDiscover Financial Services P.O. Box 30943 Salt Lake City, UT 84130-0943


  • Beware of any website or individual offering to sell you an invitation code. The Discover team distributes legitimate codes for free.
  • Using an invitation code does not guarantee approval for a Discover card, but there is a higher chance that you will.

Frequently Asked Questions

How do I receive an invitation code from

Unfortunately, there is no direct way to get an invitation code from However, Discover typically distributes its invitation codes in three ways.

Existing Discover Cardholders: Discover occasionally sends invitational codes to its existing cardholders, who can then share them with their friends and family.

Targeted Audience: If you have a better credit score and meet their credit card criteria, Discover may send you their invitation codes via email or mail.

Promotional Offers: Sometimes, Discover sends invitation codes for special promotions or partnerships with other companies.

Is the invitation code necessary to apply for the Discover credit card?

No, an invitation code is not necessary to apply for a Discover credit card. However, you can still apply for the card from Discover’s official website even if you don’t have an invitation code.

What are the advantages of using an invitation code?

If you have an invitation code, the application process will be easier & faster and come with better credit terms (introductory offers, interest rates) for Discover credit cards. It’s like a VIP pass for applying for Discover cards.

Can I share my invitation code with others?

No, in most cases, you can not share your invitation code with others because invitation codes are typically unique and are meant for individual applications.

How long is the invitation code valid?

No official information is available on their website or in customer service channels about the exact valid period of invitation codes. But I recommend using the Discover invitation code as soon as possible.

What if I lose or misplace my invitation code?

Unfortunately, if you lose or misplace your invitation code, there is no direct way to retrieve it because it’s unique and given to some individual users. However, you can still apply for a Discover credit card without the invitation code.

Do I need a good credit score to use the invitation code?

Receiving an invitation code doesn’t necessarily require a good credit score because Discover considers various factors before sending invitation codes.

Can I apply for any Discover credit card using the invitation code?

Yes, you can easily apply for any Discover credit card using the invitation code. It’s like an invitation code, which is your premium ticket to the Discover world, where you can choose your credit card based on your interest.

What happens after I apply using the invitation code?

After applying for the Discover credit card invitation code, wait a few days or a week to receive mail from the team regarding further application processing. However, the invitation code does not guarantee approval of the Discover credit card.


In conclusion, we have discussed how to use your invite code to apply for a Discover credit card. However, If you have an invitation code, it does not mean you will get guaranteed approval for the Discover credit card. However, if you have an invitational code from a Discover credit card, then the application process will be easier, and you can earn more perks and rewards.