Barclaycard Platinum With Balance Transfer (34 Mths)
Balance Transfers
0% for 34 months
2.99% fee
Purchases
0% for 9 months
Representative APR (variable)
18.9% APR
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
Balance Transfers
0% for 32 months
2.69% fee
Purchases
0% for 3 months
Representative APR (variable)
18.9% APR
0% on money transfers for 32 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 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).
Tesco Bank Clubcard Credit Card (Balance Transfer)
Balance Transfers
0% for 33 months
2.9% fee
Purchases
0% for 3 months
Representative APR (variable)
18.9% APR
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).
Sainsbury's Bank Nectar Bonus Credit Card
Balance Transfers
0% for 18 months
3% fee
Purchases
0% for 18 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 21 months
1.5% fee
Purchases
0% for 15 months
Representative APR (variable)
15.9% APR
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 standard interest rate on purchases is 15.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 15.9% APR (variable).
Aqua Classic Card (29.7%) - Semi Excl
Balance Transfers
-
Purchases
-
Representative APR (variable)
29.7% APR
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. Minimum initial credit limit is £250
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).
Tesco Bank Clubcard Credit Card with No BT Fee
Balance Transfers
0% for 12 months
Purchases
0% for 12 months
Representative APR (variable)
18.9% APR
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).
Vanquis Visa Card
Balance Transfers
-
Purchases
-
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.
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).
Sainsbury's Bank Nectar Low BT Fee Credit Card
Balance Transfers
0% for 12 months
0.5% fee
Purchases
0% for 12 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).
Tesco Bank Clubcard Credit Card for Purchases
Balance Transfers
0% for 3 months
2.9% fee
Purchases
0% for 19 months
Representative APR (variable)
18.9% APR
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).
MBNA Low Rate Credit Card
Balance Transfers
6.5% variable
Purchases
6.5% 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 33 months
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).
Barclaycard Platinum Purchase
Balance Transfers
0% for 23 months
2.49% fee
Purchases
0% for 14 months
Representative APR (variable)
18.9% APR
A fee of 3.5% will be applied, then reduced to 2.49% 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).
Barclaycard Platinum With Balance Transfer (33 Mths)
Balance Transfers
0% for 33 months
2.79% fee
Purchases
0% for 9 months
Representative APR (variable)
18.9% APR
A fee of 3.5% will be applied, then reduced to 2.79% 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).
Tesco Bank Clubcard Credit Card (Balance Transfer) Semi Excl
Balance Transfers
0% for 25 months
1.99% fee
Purchases
0% for 3 months
Representative APR (variable)
18.9% APR
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).
Capital One Classic Platinum Card
Balance Transfers
-
Purchases
-
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).
Santander Credit Card
Balance Transfers
0% for 15 months
Purchases
0% for 15 months
Representative APR (variable)
18.9% APR
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).
Bank of Scotland Platinum Balance Transfer Card (33 Mths)
Balance Transfers
0% for 33 months
2.85% fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
Standard balance transfer fee of 2.85% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter.
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).
Aqua Advance Card
Balance Transfers
-
Purchases
-
Representative APR (variable)
34.9% APR
Simply keep to your credit limit, make repayments when due and watch your interest rate drop to 19.9% APR (variable). Minimum initial credit limit is £250.
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).
Aqua Classic Card (39.9%) - Semi Excl
Balance Transfers
-
Purchases
-
Representative APR (variable)
39.9% APR
Helps build your credit rating, and now track changes with FREE reports and alerts worth up to £80 per year. Minimum initial credit limit is £250.
Representative Example: The standard interest rate on purchases is 39.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 39.9% APR (variable).

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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.

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.

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.