Our best instant approval credit cards

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Some credit card providers let you know how likely you are to be accepted within minutes of receiving your application.
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Last updated
February 7th, 2024

What does ‘instant decision’ mean?

Applying for a credit card is usually done online these days. When applying online, it’s a good idea to use eligibility checking tools like those found through our partners at Uswitch. You'll get quick results - usually within a few minutes - and even be pre-approved for certain credit cards.

Pre-approval dramatically reduces your chances of rejection, but it’s not an absolute guarantee. When you apply for a pre-approved deal, the lender will carry out its own checks, including a hard credit check and your application could fail at this point.

Some providers may advertise ‘instant approval credit cards’ but you're never guaranteed instant approval.”

How to choose a credit card with instant decision

If you have bad credit …

Those with bad credit could consider a bad credit credit card, or a credit builder card. These cards are easier to be accepted for, so you’re more likely to be pre-approved and get a quick decision.


If you have excellent credit …

In this case, you can opt for some of the best credit card deals in the market, as you're likely to be pre-approved for most of them. This applies whether you want to earn rewards, get a long 0% interest period for purchases or do an interest free balance transfer

If you need money quickly …

If you need access to credit urgently, a credit card may not be the best option, because even with an instant decision, it can take up to a week to receive the actual card.

In this case, a personal loan may be a better option. With some lenders, you may be able to apply and receive the funds on the same day, assuming your application is accepted.


What is the quickest way to get a credit card?

The quickest cards to get are typically cards that have less restrictive eligibility criteria. With that in mind, most people - even those with bad credit - are more likely to be pre-approved for bad credit credit cards or credit builder cards.

The best way to find out which cards you'll be accepted for is to check your eligibility with our partners at Uswitch, which will match you with the cards that you're most likely to get. It uses a “soft search” credit check, which won't affect your credit score, and gives you a list of cards you could apply for based on your likelihood of approval.

The number of credit cards issued in the UK[1]
58million
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Find a credit card in minutes

We've partnered with Uswitch to help you find a great deal. Start your eligibility journey now
eligibility-animation
1
Answer a few basic questions about your circumstances
2
We'll show you the cards you’re likely to get, so you can apply with confidence
3
Your credit score will always be protected

Which is the easiest credit card to get?

If you're looking for a credit card with the best chance of being pre-approved, your most likely option would be cards that have more lenient eligibility requirements.

In most cases, these will be cards that cater to people with lower credit scores or limited credit histories, such as bad credit credit cards, or credit builder cards.

These cards typically have low credit limits and high interest rates. It's always a good idea to use an eligibility tool like those found through our partners at Uswitch, which will find you any cards you're pre-approved for.

FAQs

Is there any way I can speed up my credit card application?

Yes, you can speed things up by applying for a card that offers an instant decision, check your credit record is accurate and complete the application form carefully.

Does my credit history matter?

Yes, your credit history matters as looking at it helps lenders decide whether to accept you as well as what APR and credit limit they offer you.

Will I be accepted?

You will find out if you've been accepted after you apply, but here’s how to boost your chances of approval and how to pick a card more likely to accept you.

When will I be told my credit limit?

You will be told your credit limit after you have applied. Providers confirm it when they accept your application or when they send your card.

More credit card guides

Get more detailed information and insight on all things related to credit cards, whether it's how to get one, how to be accepted or what to do if you happen to be rejected.
What should I do if my credit application is declined
What should I do if my credit application is declined
How to get accepted for a credit card
How to get accepted for a credit card
How to get your first credit card
How to get your first credit card

About the author

Salman Haqqi
Salman Haqqi spent over a decade as a journalist reporting in several countries around the world. Now as a personal finance expert, he helps people make informed financial decisions.

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References

1. Credit card facts and statistics: 2023 UK Finance's figures - August 2023