24 May 2017 : 


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Instant Decision Credit Cards

Instant decision cards are exactly what they say. You will get an instant approval or rejection for a specific card you have applied for. Individuals will not have to wait for a telephone call or a follow-up letter 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 the best card suited to your needs.



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Product Name Balance Transfer Intro Purchases
Intro
Representative
APR (variable)
Rewards
 
Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Barclaycard Platinum with Balance Transfer application
Representative Example: Representative 29.7% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 29.75% p.a. (variable)
aqua Classic application
Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)
Lloyds Bank Platinum 35 Month Balance Transfer application
Representative Example: Representative 18.9% APR (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: Representative 18.9% APR (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

 

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The offers that appear on this site are from companies from which compareandsave.com receives compensation. compareandsave.com does not include the entire universe of available financial or credit offers.

This page contains products offering online instant responses to credit applications. Table position does not imply product strength or superiority. 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 have completed an application for an instant decision card, it is processed immediately. Issuers use secure links to the UK credit bureaus to understand your 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 determining 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.

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


 
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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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©2017 compareandsave.com is a trading name of Freedom Marketing Ltd.
Freedom Marketing Ltd is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority, firm reference number 493117. This can be checked at http://www.fca.org.uk/register. Registered in England & Wales under registration number 05349340. The company's registered office is Freedom Marketing Limited, Colchester Centre, Hawkins Road, Colchester, Essex, United Kingdom, CO2 8JX.

The offers that appear on this site are from companies from which compareandsave.com receives compensation.

The Financial Ombudsman Service (FOS) is an agency for arbitrating unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.