Compare Instant Decision Credit Cards

Looking for instant approval for a credit card? - we can help you find the best instant decision deals by comparing the best instant decision credit cards available online in the UK. Whatever your circumstances and whatever you're looking for in an instant approval credit card we make it easy to apply & get a credit card approved now.
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Instant DecisionBalance Transfer IntroPurchase IntroRepresentative APR  
RateDurationRateDuration(Variable) 
Barclaycard
Platinum With BT (25 Mths)
0%
25
months
0%
6
months
18.9%
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).
Refund offer on the balance transfer fee, was 3.5% now 2.4% (terms and conditions apply)
Tesco Bank
Clubcard Credit Card for Balance Transfers
0%
25
months
0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Barclaycard
Platinum With BT (27 Mths)
0%
27
months
0%
6
months
18.9%
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).
Barclaycard
Platinum Purchase
0%
14
months
0%
14
months
18.9%
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).
Nationwide
Credit Card (Balance Transfer - Online)
0%
20
months
0%
3
months
15.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
Tesco Bank
Clubcard Credit Card for Purchases
0%
9
months
0%
16
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
MBNA
Everyday Credit Card
0%
18
months
0%
8
months
12.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
M&S Bank
M&S Credit Card
0%
12
months
0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
NatWest
Platinum Card (Online)
0%
26
months
0%
6
months
18.9%
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).
Vanquis
The Visa Card
---
---
---
---
39.9%
Representative Example: Representative 39.9% APR variable. Based on £1,000 credit limit & annual purchase rate 39.94% p.a. variable.
Suitable if you are new to credit, have had CCJs or have bad credit history. Can apply for up to £2,000 credit.
Barclaycard
Platinum Low BT Fee
0%
16
months
0%
3
months
18.9%
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).
Aquis
Visa Card
---
---
---
---
29.8%
Representative Example: The annual purchase rate is 29.8% p.a.(variable) so if you spend £1,000 your representative APR will be 29.8% (variable).
NatWest
Platinum Low Fee BT
0%
13
months
0%
6
months
18.9%
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).
Sainsbury's Bank
 
Sainsbury's Cashback Credit Card
0%
15
months
0%
6
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
5% cashback on Sainsbury's shopping for the first 3 months from account opening (capped at £50 per month). £5 cashback each month when you spend at least £250 per month on Sainsbury's shopping and at least £250 per month elsewhere.
NatWest
YourPoints World MasterCard
0%
15
months
0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.95% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
1 point for every £1 spent. Use towards flights, holidays and brands like M&S, Boots and Amazon. 2500 bonus points when you join, and every year thereafter.
AA
Rewards Credit Card
0%
12
months
0%
10
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Earn Reward Points every time you spend, earn double on fuel. Redeem on a range of products including shopping vouchers and cash back.
American Express
 
Platinum Cashback Credit Card
---
---
14%
0
months
18.7%
Representative Example: The annual purchase rate is 14% p.a.(variable) so if you spend £1,200 your representative APR will be 18.7% (variable)+£25 fee p.a
5% cashback for first 3 months, then 1.5% thereafter.
RBS
YourPoints World MasterCard
0%
15
months
0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.95% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
1 point for every £1 spent Use towards flights, holidays and brands like M&S, Boots and Amazon. 2500 bonus points when you join, and every year thereafter.
Sainsbury's Bank
 
Sainsbury's Nectar Credit Card
0%
15
months
0%
6
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Halifax
All in One Card MasterCard
0%
15
months
0%
15
months
17.9%
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).
The APR and length of the promotional offer are dependent on your personal circumstances.
Halifax, The Mound, Edinburgh, EH1 1YZ.
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Ray G.

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.

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.

Similarly, if you are planning to make a big purchase in the near future, knowing your 0% credit card instant decision application has been approved will be more than useful.

It's worth 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 - for this reason you could end up waiting several days for your instant credit card decisions.

Additionally, while the credit card instant decision process will be told if your application has been approved right away you will still have to sign and return the credit agreement before the lender sends out your credit card. This may then take several more days to arrive in the post.

If your application is turned down you should avoid applying for another card right away – this particularly applies to credit cards for bad credit instant approval applications. Instead you should ask the lender why your application was turned down and check your credit report for errors .

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

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