Applying for an instant decision credit card takes around ten minutes, and you could find out if you have been accepted in less than a minute.

Once you have filled out an online application form, you should get a decision a few moments later.

Providers rarely need longer than a couple of minutes to decide, but if they need to look into your finances further they will let you know and then email you their decision within a couple of days instead.

When will you get your card?

It will still take around seven to ten days for your credit card to arrive by post after approval, so make sure you apply at least two weeks before you need to use it.

Although you will not be able to start spending on your card until it arrives, knowing if your application is successful or not can be useful. If you are accepted, you can start planning how you will use the card to manage your finances.

What if you are rejected?

If you are not successful you could apply for a different card, although too many credit applications in a short time can harm your credit record.

How to find an instant decision card

The comparison above features every credit card that offers an instant decision online. Use it to find and apply for the type of card you need and find out if you have been approved immediately, whether you need to:

Instant decision FAQs

Q

Is there any way I can speed things up?

A

Yes, you can apply for a card that offers an instant decision, check your credit record is accurate and complete the application form carefully. Here is how.

Q

Will I be accepted?

Q

When will I be told my credit limit?

A

You will only find out your credit limit after you have applied. Providers confirm it when they accept your application or when they send your card.

Q

Does my credit history matter?

A

Yes, looking at it helps lenders decide whether to accept you as well as what APR and credit limit they offer you.

Q

How many credit cards should I have?

A

Too many credit cards can hurt your credit record, but having cards for different uses can suit some people. Work out how many is too many here.

Q

How do I get my first card?

A

Here is how to find a card more likely to accept you even if you have never used one before and what you need to know about using credit cards.