This comparison includes all credit cards that provide an instant decision online.
This comparison now shows instand decision credit cards that fit your criteria.
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Barclaycard Platinum With Balance Transfer (36 Mths)
Balance Transfers
0% for 36 months with a 2.99% fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
Now with £15 cashback - Just make a £1,000 balance transfer within the first 60 days. A fee of 3.5% will be applied, then reduced to 2.99% by a refund (terms and conditions apply).
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
MBNA Platinum Credit Card (35 Mths)
Balance Transfers
0% for 35 months with a 2.79% fee
Purchases
18.9% p.a. variable
Representative APR (variable)
18.9% APR
0% on money transfers for 12 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 standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Sainsbury's Bank Nectar Purchase Credit Card
Balance Transfers
0% for 19 months with a 3% fee
Purchases
0% for 19 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
MBNA Everyday Credit Card
Balance Transfers
0% for 22 months with a 1.75% fee
Purchases
0% for 16 months
Representative APR (variable)
18.9% APR
0% on money transfers for 22 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 2015.
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Aqua Classic Card (29.7%) - Semi Excl
Balance Transfers
29.71% p.a. variable with a 3% fee
Purchases
29.71% p.a. variable
Representative APR (variable)
29.7% APR
Free aqua credit checker. Aqua has said yes to over 750,000 customers in the UK.
Representative Example: The standard interest rate on purchases is 29.71% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.7% APR (variable).
Sainsbury's Bank Nectar No BT Fee Credit Card
Balance Transfers
0% for 13 months with no fee
Purchases
0% for 13 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Barclaycard Platinum With Balance Transfer (35 Mths)
Balance Transfers
0% for 35 months with a 2.69% fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
Now with £15 cashback - Just make a £1,000 balance transfer within the first 60 days. A fee of 3.5% will be applied, then reduced to 2.69% by a refund (terms and conditions apply).
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Vanquis Credit Card
Balance Transfers
-
Purchases
39.94% p.a. variable
Representative APR (variable)
39.9% APR
Suitable if you are new to credit, had had CCJs or other issues with credit. Can apply for up to £1,000 credit, subject to status.
Representative Example: The standard interest rate on purchases is 39.94% p.a. (variable), so if you borrow £1,000 the Representative APR will be 39.9% APR (variable).
Bank of Scotland Platinum Balance Transfer Card (28 Mths)
Balance Transfers
0% for 28 months with a 1.5% fee
Purchases
0% for 12 months
Representative APR (variable)
18.9% APR
1.5% Balance transfer fee applies in the first 90 days, 3% fee applies there after.
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
MBNA Low Rate Credit Card
Balance Transfers
6.5% p.a. variable with no fee
Purchases
6.5% p.a. variable
Representative APR (variable)
6.6% APR
Representative Example: The standard interest rate on purchases is 6.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 6.6% APR (variable).
Sainsbury's Bank Nectar Balance Transfer Credit Card
Balance Transfers
0% for 34 months with a 2.89% fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Capital One Classic Platinum Card
Balance Transfers
29.84% p.a. variable with a 3% fee
Purchases
29.84% p.a. variable
Representative APR (variable)
29.8% APR
Representative Example: The standard interest rate on purchases is 29.84% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.8% APR (variable).
Ocean Finance Credit Card
Balance Transfers
34.94% p.a. variable with a 3% fee
Purchases
34.94% p.a. variable
Representative APR (variable)
34.9% APR
Representative Example: The standard interest rate on purchases is 34.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
Aqua Advance Card
Balance Transfers
34.92% p.a. variable with a 3% fee
Purchases
34.92% p.a. variable
Representative APR (variable)
34.9% APR
Free aqua credit checker. Aqua has said yes to over 750,000 customers in the UK.
Representative Example: The standard interest rate on purchases is 34.92% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
Bank of Scotland Platinum Balance Transfer Card (35 Mths)
Balance Transfers
0% for 35 months with a 3% fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Lloyds Bank Platinum Balance Transfer Card (28 Mths)
Balance Transfers
0% for 28 months with a 1.5% fee
Purchases
0% for 12 months
Representative APR (variable)
18.9% APR
1.5% Balance transfer fee applies in the first 90 days, 3% fee applies there after.
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Halifax All in One Credit Card
Balance Transfers
0% for 19 months with a 1% fee
Purchases
0% for 16 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Barclaycard Initial Credit Card
Balance Transfers
34.9% p.a. variable with a fee
Purchases
0% for 3 months
Representative APR (variable)
34.9% APR
Receive £15 cashback after 3 months when you make your minimum payments on time & don't go over your credit limit. T&Cs apply.
Not available to applicants who already have a Barclaycard credit card.
Representative Example: The standard interest rate on purchases is 34.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
American Express Platinum Cashback Credit Card
Balance Transfers
14% p.a. variable with a 3% fee
Purchases
14% p.a. variable
Representative APR (variable)
18.7% APR
Get 5% cashback on up to £2,500 of purchases in your first 3 months of Card membership, then 1.25% thereafter.
Representative Example: The standard interest rate on purchases is 14% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.7% APR (variable). £25 annual fee.
Lloyds Bank Avios Rewards Credit Card
Balance Transfers
0% for 28 months with a 3% fee
Purchases
0% for 12 months
Representative APR (variable)
23.7% APR
No foreign transaction fees when using your cards abroad. Flight upgrade upon £7,000 spend per year. Double Avios points for the first 6 months on the Avios American Express Card.
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.7% APR (variable). £24 annual fee.

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How to Make the Most of Instant Decision Credit Cards

by Martin from money.co.uk

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

Women shopping with credit cards

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.