22 January 2017 : 

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Instant Decision Credit Cards

Instant decision cards are exactly what they say. People will get an instant approval or rejection for a specific card they would have applied for. Individuals will not have to wait around for a telephone call or follow up letters to let them know whether they have been accepted or not. This type of card is ideal and convenient for people who want to know quickly if they can get access to the credit card they need. Compare different UK credit card issuers who offer instant decision cards to find thebest card suited to your needs.

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Product Name Balance Transfer Intro Purchases
APR (variable)
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 18.9% p.a. (variable).
Tesco Bank Clubcard for Balance Transfers application
  • 0% interest on balance transfers for 42 months from account opening (2.99% fee)
  • Get £20 cashback when you transfer a balance of £500 or more (T&Cs apply) - Offer ends 6 Februrary 2017
  • 0% interest on purchases for 6 months from account opening
  • Contactless payment up to £30
  • Apple Pay enabled payments
  • A fee of 3.5% will be applied, then reduced to 2.99% by a refund (T & Cs apply)
  • Must be a UK resident, aged 18 years or over, with a regular income and a good credit rating
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable).
Barclaycard Platinum 42 Month Balance Transfer application
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable).
Bank of Scotland 32 Month Balance Transfer application
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable).
Lloyds Bank Platinum 32 Month Balance Transfer application


We provide a personal finance, insurance and utility comparison service free to the user. compareandsave.com is a credit broker, not a lender, for the consumer credit products we feature. We usually receive commissions from the businesses we refer users to. This table comprises a range of popular products. Other tables may feature other products which may be better suited to your needs. Please ensure you have thoroughly investigated all available options before applying for products.

How do instant decision cards work?

Instant decision cards are not really different to other credit card products; they just offer responses to applications quicker, by automating much of the “decisioning” process.

Once you’ve completed an application for an instant decision card it is processed immediately. Issuers use secure links to the UK credit bureau to understand applicant’s financial status and, in most cases, you will be told if you have been accepted or rejected for the credit card with a message on your screen.

Not all credit cards offer instant decisions so, unless time is of the essence, you may find you can access better products by looking at a wider range of credit cards or through category specific tables.

Benefits of instant decision credit cards

Many providers of 0% transfer cards now offer an instant decision facility also, meaning you can find out immediately if you are able to make a balance transfer quickly.

You don’t necessarily have to have perfect credit in order to obtain an instant decision credit card. While your credit score will be one of the greatest determinant factors regarding the approval or rejection of your applications, there are providers that offer instant decisions on credit cards for bad credit and those with fair credit also.

Instant decision card application considerations

You should make sure that you have given yourself sufficient time between when you need the credit card and when you apply. Whilst, in many cases, issuers offer direct approval or rejection, this is not always the case. If a lender is unsure of certain details (if you’ve moved jobs, house etc.) you may find that your response is that your application has been ‘referred’ until they have conducted additional checks. This could leave you waiting for a response for the same length of time as you would with a standard credit card product.

You also may not receive your card until your final agreement is signed despite a successful decision for your application having been obtained. This may also mean that you won’t actually be able to use the card for at least a few days while the card being prepared and is sent to you.<;/span>

Be aware that:

If your application is rejected you should try to avoid immediately applying for another credit card (or other credit products). Having just failed in your credit application other potential lenders may decide you seem too desperate to obtain finance quickly (possibly because you are in financial distress). You can however ask the provider why you were rejected and check that there wasn’t an error.

 Compare Credit Cards by Issuer

American Express Credit Cards American Express
Aqua Credit Cards Aqua Credit Cards
Barclaycard Credit Cards Barclaycard
Bank of Scotland Credit Cards Bank of Scotland
Capital One Credit Cards Capital One
Halifax Credit Cards Halifax
Lloyds Bank Credit Cards Lloyds Bank
MBNA Credit Cards MBNA
Nationwide Credit Cards Nationwide
NatWest Credit Cards Natwest
Royal Bank of Scotland Credit Cards Royal Bank of Scotland
Sainsbury's Bank Credit Cards Sainsbury's Bank
Santander Credit Cards Santander
Tesco Bank Credit Cards Tesco Bank
TSB Credit Cards TSB Credit Cards
Vanquis Credit Cards Vanquis
Virgin Money Credit Cards Virgin Money

Product Offers
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.

Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.
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