09 February 2012 :

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Home / Credit Cards / Instant Decision Credit Cards

Instant Decision Credit Cards

Instant decision credit cards offer a decision at the click of a button when you apply for the credit card online. This can prove to be advantageous if you are looking for convenience and speed when making a credit card application over the internet. Read more...>

Product Name	Balance Transfer Intro	Purchases Intro	Representative APR (variable)	Rewards

Virgin Money
0%
20 mths
2.99% fee
0%
3 mths
16.8%
APR
Virgin discounts

Instant decision on most applications
Discounts on Virgin holidays, Trains and other products
Good credit rating required

Representative Example: 16.8% p.a. (variable) on card purchases. This is equivalent to 16.8% APR representative (variable) based on a credit limit of £1,200.

Barclaycard Platinum with Balance Transfer
0%
22 mths
2.90% fee
0%
3 mths
17.9%
APR
Rewards

For a quicker transfer, complete your BT as you apply
Identity Protection Service and Fraud Protection
Good credit rating required

Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable).

Barclaycard Platinum with Balance Transfer application

Halifax All In One
0%
15 mths
3.00% fee
0%
15 mths
17.9%
APR
No Rewards

The APR and length of the promotional offer are dependent on your personal circumstances
Instant decision on online applications (in most circumstances)
Good credit rating required

Representative Example: 17.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)

Virgin 13/13
0%
13 mths
2.89% fee
0%
13 mths
18.9%
APR
Virgin discounts

Instant decision on most applications
Pay less interest - highest rate of interest is paid off first
Good credit rating required

Representative Example: 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on a credit limit of £1,200.

Tesco Clubcard
0%
9 mths
2.90% fee
0%
15 mths
16.9%
APR
Clubcard Shopping

1 Clubcard point per £4 spent (£4 min) on your Tesco credit card
Spend Clubcard rewards on Tesco shopping, holidays and days out
Good credit rating required

Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 16.9% p.a. (variable). *Your credit limit may vary depending upon your circumstances.

Virgin All Round
0%
16 mths
1.99% fee
0%
6 mths
15.8%
APR
Virgin discounts

Instant decision on most applications
Contactless payment - pay for items up to £15 without entering your pin
Good credit rating required

Representative Example: 15.8% p.a. (variable) on card purchases. This is equivalent to 15.8% APR representative (variable) based on a credit limit of £1,200.

Capital One Classic
n/a
n/a
34.9%
APR
No Rewards

60 second application response - credit limit up to £1,500
Most popular credit building credit card
Best for applicants who want to build or rebuild their credit rating

Representative Example: 34.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 34.94% p.a. (variable)

RBS Platinum
0%
20 mths
2.90% fee
0%
6 mths
17.9%
APR
Discounts, Travel, Wine

Discounts on wine, shopping & travel
£750 cash advance per day, depending on credit limit
Good credit rating required

Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200*. Standard interest rate for purchases: 17.95% p.a. (variable). *Your credit limit may vary depending upon your circumstances

Halifax 20 Month Balance Transfer
0%
20 mths
3.00% fee
0%
3 mths
16.9%
APR
Entertainment, Travel and Shopping

You must have an annual income of £20,000 or more to apply
Cover against online fraud when shopping online
Good credit rating required

Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.94% p.a. (variable)

Halifax 20 Month Balance Transfer application

Bank of Scotland Plus
0%
18 mths
3.00% fee
0%
3 mths
16.9%
APR
Dining out Travel Shopping

Instant decision on online applications (in most circumstances)
Discounts on UK attractions, hotels, travel and dining out
Good credit rating required

Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.94% p.a. (variable).

Bank of Scotland Existing Customer Offer
0%
13 mths
3.00% fee
0%
13 mths
17.9%
APR
No Rewards

Manage your account online
Instant decision on online applications (in most circumstances)
Good credit rating required

Representative Example: 17.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)

Bank of Scotland Existing Customer Offer application

Bank of Scotland All In One
0%
12 mths
3.00% fee
0%
12 mths
17.9%
APR
No Rewards

MasterCard deals and discounts on travel, entertainment and shopping
Instant decision on online applications (in most circumstances)
Good credit rating required

Representative Example: 17.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable).

Nationwide with Balance Transfer
0%
17 mths
2.95% fee
0%
3 mths
15.9%
APR
No Rewards

Commission-free purchases abroad
Positive order of payments - you could pay less interest as the debt with the highest interest rate is paid off first
Excellent credit rating required

Representative Example: 15.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable).

Nationwide with Balance Transfer application

Barclaycard Gold
0%
to Sep '12
2.50% fee
n/a
19.9%
APR
Rewards

Contactless payment for purchases up to £15
Identity Protection Service and Fraud Protection
Fair credit rating required

Representative Example: 19.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 19.90% p.a. (variable)

Instant Decision Credit Card Advice

Once you have filled in an application for the instant decision card it is processed immediately and you will, in most cases, automatically be told if you have been accepted or rejected for the credit card with a message on your screen.

Instant decision credit cards are not specifically for people with poor credit histories because the application will be run through a credit reference agency and you will need to meet certain credit check requirements before you are accepted for the credit card.

Top Tips for Instant Decision Credit Cards

Make sure you have the necessary details to hand when you apply for an instant decision credit card
Be sure to compare credit cards before you make your final decision as this will help you to get the best deal possible
If you get accepted for the instant decision card, you will be sent a credit agreement to sign and send back before you get sent your credit card

Money

Insurance

Utilities
- Gas & Electric
- Broadband

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.