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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Barclaycard Platinum With Balance Transfer (31 Mths) - Direct
Balance TransfersPurchasesRepresentative APR
0% for 31 months
2.99% fee
0% for 6 months18.9%
A fee of 3.5% will be applied, then reduced to 2.99% by a refund. Plus an additional £20 fee refund on balance transfers over £2,000. 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 30 months
2.89% fee
0% for 3 months18.9%
0% on money transfers for 30 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).
 
Tesco Bank Clubcard Credit Card (Balance Transfer)
Balance TransfersPurchasesRepresentative APR
0% for 30 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).
 
Nationwide Credit Card (Balance Transfer)
Balance TransfersPurchasesRepresentative APR
0% for 26 months
2.4% fee
0% for 3 months17.9%
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 Balance Transfer Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 28 months
2.45% fee
0% for 6 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).
 
MBNA Everyday Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 18 months
1.5% fee
0% for 8 months13.9%
0% on money transfers for 18 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 13.9% p.a.(variable) so if you spend £1,200 your representative APR will be 13.9% (variable).
 
Barclaycard Platinum With Balance Transfer (30 Mths) - Direct
Balance TransfersPurchasesRepresentative APR
0% for 30 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. Plus an additional £20 fee refund on balance transfers over £2,000. 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 Low Rate Credit Card
Balance TransfersPurchasesRepresentative APR
--6.9%
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).
 
Lloyds Bank Choice Rewards Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 13 months
3% fee
0% for 13 months22.7%
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 22.7% (variable)+£24 fee p.a
 
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).
 
Aqua Classic Card (29.7%)
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 29.73% p.a.(variable) so if you spend £1,200 your representative APR will be 29.7% (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).
 
Lloyds Bank Platinum Balance Transfer Card (28 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 28 months
2.45% fee
0% for 6 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 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).
 
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).
 
Tesco Bank Clubcard Credit Card for Purchases
Balance TransfersPurchasesRepresentative APR
0% for 3 months
2.9% fee
0% for 18 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).
 
Bank of Scotland Platinum Balance Transfer Card
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).
 
Sainsbury's Bank Nectar Credit Card (Nectar Refund)
Balance TransfersPurchasesRepresentative APR
0% for 12 months
3% fee
0% for 12 months16.9%
The 3% BT fee is refunded in Nectar points on Balance Transfers carried out within the first 6 weeks of account opening.
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).
 
Capital One Classic Preferred Card
Balance TransfersPurchasesRepresentative APR
--28.9%
Special low rate for people trying to improve their credit score + easy, fast application with a response in 60 seconds. Offer ends May 14th. See website for details.
Representative Example: The annual purchase rate is 28.94% p.a.(variable) so if you spend £1,200 your representative APR will be 28.9% (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.
 

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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.

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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