Compare instant decision credit cards

You could find out instantly if you've been approved for credit when you apply for one of these cards.

Find the cards most likely to say yes

See which cards you are most likely to be accepted for without affecting your credit score.

57 results found, sorted by lowest representative apr. How we order our comparisons.
Sort
Lloyds Bank Platinum Low Rate Credit Card
Balance transfer
9.94% p.a.variable with no fee
Purchases
9.94% p.a. variable
Representative APR (variable)
9.9% APR
Transfer a balance within 90 days of opening an account to get the no fee deal; otherwise the fee will be 5% thereafter. You may be eligible to apply for a second credit card. Conditions apply.
Representative Example: The standard interest rate on purchases is 9.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 9.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Sainsbury's Bank Balance Transfer 30 Months Credit Card
Balance transfer
0% for 30 months with a 1.5% fee (£3 min.)
Purchases
0% for 3 months
Representative APR (variable)
19.9% APR
Balance Transfer fee of 1.5% applies to transfers made at application (£3 minimum). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 30 or 24 months depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 19.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
M&S Bank Reward Credit Card
Balance transfer
0% for 12 months with a 2.9% fee (£5 min.)
Purchases
0% for 12 months
Representative APR (variable)
19.9% APR
Get double M&S points on all M&S shopping for the first 12 months and a bonus points voucher for 500 M&S points worth £5. T&Cs apply.
Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 19.9% p.a. variable with a 2.9% fee.
Representative Example: The standard interest rate on purchases is 19.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Sainsbury's Bank No Balance Transfer Fee Credit Card (21 Mths)
Balance transfer
0% for 21 months with no fee
Purchases
0% for 3 months
Representative APR (variable)
20.9% APR
No balance transfer fee applies to transfers made within the first 3 months. For transfers made after this period, the fee may vary.
Balance Transfer fee of 0% or 1% applies to transfers made within your first three months, depending on your individual circumstances. The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 17 or 13 months instead, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank Dual Offer Credit Card
Balance transfer
0% for 22 months with a 3% fee (£3 min.)
Purchases
0% for 22 months
Representative APR (variable)
20.9% APR
A 3% fee is applied to balance transfers at application (minimum £3). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period of 22 or 14 months instead depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Barclaycard Platinum Balance Transfer & Purchase Credit Card
Balance transfer
0% for 20 months with a 2.9% fee
Purchases
0% for 21 months
Representative APR (variable)
21.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
M&S Bank Shopping Plus Credit Card
Balance transfer
0% for 22 months with a 2.9% fee (£5 min.)
Purchases
0% for 22 months
Representative APR (variable)
21.9% APR
Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 2.9% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Barclaycard Platinum Balance Transfer (15 Mths)
Balance transfer
0% for 15 months with no fee
Purchases
0% for 6 months
Representative APR (variable)
21.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Lloyds Bank 0% Purchase and Balance Transfer Card
Balance transfer
0% for 18 months with a 2.99% fee
Purchases
0% for 21 months
Representative APR (variable)
21.9% APR
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Virgin Money Balance Transfer Credit Card (27 Mths) (21.9%)
Balance transfer
0% for 27 months with a 1.2% fee
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
HSBC Balance Transfer Credit Card
Balance transfer
0% for 20 months with no fee
Purchases
21.9% p.a. variable
Representative APR (variable)
21.9% APR
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£6,800
UK Resident
Virgin Money All Round Credit Card (19m) (21.9%)
Balance transfer
0% for 19 months with a 2.9% fee
Purchases
0% for 19 months
Representative APR (variable)
21.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Halifax Long 0% Balance Transfer Credit Card
Balance transfer
0% for 29 months with a 2.7% fee
Purchases
0% for 9 months
Representative APR (variable)
21.9% APR
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Barclaycard Platinum Balance Transfer (24 Mths)
Balance transfer
0% for 24 months with a 0.9% fee
Purchases
0% for 6 months
Representative APR (variable)
21.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
MBNA Ltd Balance Transfer Credit Card (27 Mths)
Balance transfer
0% for 27 months with a 1% fee
Purchases
21.94% p.a. variable
Representative APR (variable)
21.9% APR
£30 cashback on Balance or Money Transfers totalling £1,000 or more made in the first 60 days of account opening. T&C’s apply. Balance Transfers and Money Transfers must be completed within the first 60 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
MBNA Long Balance Transfer Credit Card
Balance transfer
0% for 29 months with a 2.69% fee
Purchases
21.94% p.a. variable
Representative APR (variable)
21.9% APR
£30 cashback on Balance or Money Transfers totalling £1,000 or more made in the first 60 days of account opening. T&C’s apply. Balance Transfers and Money Transfers must be completed within the first 60 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

Last updated: 29 July, 2021

What are instant decision credit cards?

As the name suggest, instant decision credit cards are ones where the lender will give you an initial 'instant decision' on how likely it is that you'll be accepted for a credit card. These are typically based on soft search credit checks, which don't leave a mark on your credit report.

However keep in mind that just because these cards are commonly known as instant decision or easy credit cards, it doesn't mean you are guaranteed to be accepted. Providers will still carry out a hard credit check to assess your eligibility.

How quick are instant decision credit cards?

Once you have filled out an online application form, it only takes a few minutes to find out whether you have been accepted.

Most providers rarely need longer than a couple of minutes to decide, but if they need to look into your finances further they will let you know and then email you their decision within a couple of days instead.

How long does it take to get a credit card?

When will you get your card?

It will still take around seven to 10 days for your credit card to arrive by post after approval, so make sure you apply at least two weeks before you need to use it.

Although you will not be able to start spending on your card until it arrives, knowing if your application is successful or not can be useful. If you are accepted, you can start planning how you will use the card to manage your finances.

What if you are rejected for an instant decision credit card?

If you are not successful you could apply for a different card. However, it's better to wait at least six months before you apply for credit again. Too many credit applications in a short time can harm your credit record because it can be seen as a sign that you're struggling financially and are desperate for credit.

How to find an instant decision card

The comparison above features credit cards that offer an instant decision online. Use it to find and apply for the type of card you need and find out if you have been approved immediately, whether you need to:

What's the benefit of getting an instant decision credit card?

The main advantage is that it saves you the hassle of waiting to find out whether your application will be accepted or not. If you're rejected, you can quickly start taking steps to improve your credit score so that you can be accepted in the future.

Can you get an instant decision credit card with bad credit?

While there are instant credit cards available for those with bad credit, these typically offer higher APRs and lower credit limits. If you have bad credit, it might be better to take some time to improve your credit rating before you apply.

Instant decision FAQs

Yes, you can apply for a card that offers an instant decision, check your credit record is accurate and complete the application form carefully. Here is how.

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

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

Too many credit cards can hurt your credit record, but having cards for different uses can suit some people. Work out how many is too many here.

Here is how to find a card more likely to accept you even if you have never used one before and what you need to know about using credit cards.

About our credit cards comparison

Our comparison tables include providers we have commercial arrangements with. The number of listings in our tables can vary depending on the terms of those arrangements, as well as other market developments. They are all from lenders regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.

More credit card guides

credit card in a portable credit card reader machine

How to use a credit card for interest free purchases

0% credit cards do not charge you interest on your purchases for a set period of time. They're commonly used for buying big, expensive products so you can spread out the cost.

Read More
A picture of a man holding a credit card next to a laptop and phone

How to get accepted for a credit card

Here is how to improve your chances of getting accepted for a credit card.

Read More
Visa and Mastercard

What is the difference between Visa and MasterCard?

MasterCard and Visa work very similarly to one another. They are payment networks, which process payments when you spend using your credit, debit or prepaid card.

Read More

Which Credit Card Is Best For Me? - Choose a card

Choosing the right type of credit card could save you money in interest, earn you rewards or help you get accepted. Here is how to pick the right one and where to find it.

Read More
Black and red scoring gauge

How to improve your credit score

You can take these steps to improve your credit score and increase your chances of getting accepted for credit in the future.

Read More

How to use cashback credit cards

If you pay off your credit card every month you could make a profit on your spending with a cashback card. Here is how to pick a card and maximise what you earn.

Read More

Why compare credit cards with money.co.uk?

Comparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.

Proud to be award winning

We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.