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.

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.

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:

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.

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.