Barclaycard Platinum With Balance Transfer (33 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 33 months
2.89% fee
0% for 6 months18.9%
A fee of 3.5% will be applied, then reduced to 2.89% by a refund. Terms and conditions apply
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
MBNA Platinum Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 32 months
2.69% fee
0% for 3 months18.9%
0% on money transfers for 32 months from the date your account is opened (4% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening. ConsumerMoneyfacts Credit Card Provider of 2014.
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Virgin Balance Transfer Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 29 months
2.99% fee
0% for 6 months18.9%
0% on money transfers for 29 months from the date your account is opened (4% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening.
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Tesco Bank Clubcard Credit Card (Balance Transfer)
Balance TransfersPurchasesRepresentative APR
0% for 32 months
2.9% fee
0% for 3 months18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
MBNA Everyday Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 21 months
1.5% fee
0% for 13 months14.9%
0% on money transfers for 21 months from the date your account is opened (4% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening. ConsumerMoneyfacts Credit Card Provider of 2014.
Representative Example: The annual purchase rate is 14.9% p.a.(variable) so if you spend £1,200 your representative APR will be 14.9% (variable).
Halifax Balance Transfer Credit Card (30 Mths) - Semi Excl
Balance TransfersPurchasesRepresentative APR
0% for 30 months
2.5% fee
0% for 6 months18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Tesco Bank Clubcard Credit Card with No BT Fee
Balance TransfersPurchasesRepresentative APR
0% for 10 months0% for 10 months18.9%
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Aqua Classic Card (29.7%) - Semi Excl
Balance TransfersPurchasesRepresentative APR
--29.7%
Helps build your credit rating, and now track changes with FREE reports and alerts worth up to £80 per year. Get a response in 60 seconds.
Representative Example: The annual purchase rate is 29.71% p.a.(variable) so if you spend £1,200 your representative APR will be 29.7% (variable).
Bank of Scotland Platinum Balance Transfer Card (24 Mths) - Semi Ex
Balance TransfersPurchasesRepresentative APR
0% for 24 months
1.5% fee
0% for 3 months17.9%
The APR and length of the promotional offer are dependent on your personal circumstances.
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Tesco Bank Clubcard Credit Card for Purchases
Balance TransfersPurchasesRepresentative APR
0% for 3 months
2.9% fee
0% for 19 months18.9%
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
MBNA Low Rate Credit Card
Balance TransfersPurchasesRepresentative APR
6.5% variable6.5% variable6.6%
Representative Example: The annual purchase rate is 6.5% p.a.(variable) so if you spend £1,200 your representative APR will be 6.6% (variable).
Sainsbury's Bank Nectar Low Rate Credit Card
Balance TransfersPurchasesRepresentative APR
6.95% variable6.95% variable6.9%
Double Nectar points on Sainsbury's shopping and 1 Nectar point for every £5 spent on your card elsewhere.
Representative Example: The annual purchase rate is 6.95% p.a.(variable) so if you spend £1,200 your representative APR will be 6.9% (variable).
Vanquis Visa Card
Balance TransfersPurchasesRepresentative APR
--39.9%
Suitable if you are new to credit, had had CCJs or other issues with credit. Can apply for up to £1,000 credit.
Representative Example: Representative 39.9% APR variable. Based on £1,000 credit limit & annual purchase rate 39.94% p.a. variable.
Barclaycard Platinum Purchase
Balance TransfersPurchasesRepresentative APR
0% for 19 months
2.49% fee
0% for 14 months18.9%
A fee of 2.9% will be applied, then reduced to 2.49% by a refund (terms and conditions apply).
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Sainsbury's Bank Nectar Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 16 months
3% fee
0% for 16 months16.9%
Double Nectar points on Sainsbury's shopping and 1 Nectar point for every £5 spent on your card elsewhere.
Representative Example: The annual purchase rate is 16.94% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Barclaycard Platinum With Balance Transfer (32 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 32 months
2.64% fee
0% for 6 months18.9%
A fee of 3.5% will be applied, then reduced to 2.68% by a refund (terms and conditions apply).
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Tesco Bank Clubcard Credit Card (Balance Transfer) Semi Excl
Balance TransfersPurchasesRepresentative APR
0% for 25 months
1.99% fee
0% for 3 months18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Sainsbury's Bank Nectar Balance Transfer Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 31 months
2.89% fee
0% for 6 months18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Lloyds Bank Platinum Balance Transfer Card (10 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 10 months
0.4% fee
0% for 10 months18.9%
Balance transfer fee refund - refunds part of a 3% fee so overall a 0.70% fee is payable.
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Halifax Balance Transfer Credit Card (24 Mths) - Semi Excl
Balance TransfersPurchasesRepresentative APR
0% for 24 months
1.5% fee
0% for 3 months18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).

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How to Make the Most of Instant Decision Credit Cards

Need to know if you've been accepted for credit without delay? Instant approval credit cards give you an answer in minutes.

Credit Card Pile

With instant approval credit cards there's no waiting around for an answer when you apply.

Instead, providers will let you know whether your instant credit cards application has been approved right away. This can be really useful if you need to know quickly whether you'll have access to the credit you need.

Most credit cards now offer an apply for a credit card online instant approval facility so you find out where you stand in minutes whatever type of credit card you apply for.

You don't need to have a perfect credit history to get an answer quickly either. Credit cards for bad credit history instant decisions and fair credit instant approval credit cards are available from a number of lenders too.

The vast majority of 0% credit cards give you an instant decision, so you'll find out whether you'll be able to make a 0% balance transfer shortly after applying.

It's also worth you noting that you should always apply for an instant use credit card well in advance of when you need to use it. If the lender is unsure whether to accept or reject your application they may decide to refer it while they investigate your financial past further - this could mean you waiting several days for the decision, so always be sure you have plenty of time to spare.

Although the decision on your credit card may be made right away, you will have to sign and return the credit agreement before they send you the card. This could mean waiting several more days for the card to arrive in the post.

If your application is turned down don't be tempted to apply for another card straight away. Instead, ask the lender why you were declined and take a look at your credit report to check if there are any errors. .

For more information on how to use credit cards read our guide 10 Rules for Running Your Credit Card.

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