I currently have a method for detecting a card in an image and for the most part it works when the lighting is fairly consistent and the background is very calm.
Here is
A more general approach would definitely be something like Rutger Nijlunsing suggested in his answer. However, in your case, at least for the provided sample images, a very simple approach like morphological opening followed by thresholding, contour processing and convexhull would yield the result you want. Use a scaled down version of the images for processing so that you don't have to use a large kernel for morphological operations. Below are the images processed this way.
pyrDown(large, rgb0);
pyrDown(rgb0, rgb0);
pyrDown(rgb0, rgb0);
Mat small;
cvtColor(rgb0, small, CV_BGR2GRAY);
Mat morph;
Mat kernel = getStructuringElement(MORPH_ELLIPSE, Size(11, 11));
morphologyEx(small, morph, MORPH_OPEN, kernel);
Mat bw;
threshold(morph, bw, 0, 255.0, CV_THRESH_BINARY | CV_THRESH_OTSU);
Mat bdry;
kernel = getStructuringElement(MORPH_ELLIPSE, Size(3, 3));
erode(bw, bdry, kernel);
subtract(bw, bdry, bdry);
// do contour processing on bdry
This approach will not work in general, so I would strongly recommend something like Rutger suggested.