Barclaycard Platinum With Balance Transfer (33 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 33 months
2.79% fee
0% for 6 months18.9%
A fee of 3.5% will be applied, then reduced to 2.79% 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 31 months
2.88% fee
0% for 3 months18.9%
0% on money transfers for 31 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).
MBNA Low Rate Credit Card
Balance TransfersPurchasesRepresentative APR
6.5% variablevariable6.6%
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).
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 18.94% 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 11 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 Low BT Fee
Balance TransfersPurchasesRepresentative APR
0% for 12 months
0.65% fee
0% for 12 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).
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).
Sainsbury's Bank Nectar Low Rate Credit Card
Balance TransfersPurchasesRepresentative APR
6.95% variablevariable6.9%
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
2.69% fee
0% for 6 months18.9%
A fee of 3.5% will be applied, then reduced to 2.69% 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).
Halifax Balance Transfer Credit Card (32 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 32 months
2.7% fee
0% for 6 months18.9%
Balance transfer refund available - a 3% initial fee will be charged, however 0.3% of the balance will be refunded automatically within 90 days.
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 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).
Bank of Scotland Platinum Balance Transfer Card (28 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 28 months
1.5% fee
0% for 12 months18.9%
The APR and length of the promotional offer are dependent on your personal circumstances.
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).
Capital One Classic Platinum Card
Balance TransfersPurchasesRepresentative APR
--29.8%
Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases of 29.84% p.a. variable, you will receive a 29.8% APR representative variable.
Santander Purchase Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 9 months
3% fee
0% for 18 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).

money.co.uk, Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

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.

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.

Related Credit Card Guides

Credit Card Comparison