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
Barclaycard Platinum with Balance Transfer
0%
22 mths
2.90% fee
0%
3 mths
17.9%
APR
Rewards
Halifax All In One
0%
15 mths
3.00% fee
0%
15 mths
17.9%
APR
No Rewards
Virgin 13/13
0%
13 mths
2.89% fee
0%
13 mths
18.9%
APR
Virgin discounts
Tesco Clubcard
0%
9 mths
2.90% fee
0%
15 mths
16.9%
APR
Clubcard Shopping
Virgin All Round
0%
16 mths
1.99% fee
0%
6 mths
15.8%
APR
Virgin discounts
Capital One Classic
n/a
n/a
34.9%
APR
No Rewards
RBS Platinum
0%
20 mths
2.90% fee
0%
6 mths
17.9%
APR
Discounts, Travel, Wine
Halifax 20 Month Balance Transfer
0%
20 mths
3.00% fee
0%
3 mths
16.9%
APR
Entertainment, Travel and Shopping
Bank of Scotland Plus
0%
18 mths
3.00% fee
0%
3 mths
16.9%
APR
Dining out Travel Shopping
Bank of Scotland Existing Customer Offer
0%
13 mths
3.00% fee
0%
13 mths
17.9%
APR
No Rewards
Bank of Scotland All In One
0%
12 mths
3.00% fee
0%
12 mths
17.9%
APR
No Rewards
Nationwide with Balance Transfer
0%
17 mths
2.95% fee
0%
3 mths
15.9%
APR
No Rewards
Barclaycard Gold
0%
to Sep '12
2.50% fee
n/a
19.9%
APR
Rewards
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.