Instant decision credit cards

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Search and compare the best instant decision credit card deals using the table below.

Applying online for an instant decision credit card can be a quick and easy way to get a credit card. Many providers will make an almost immediate decision and respond to an application within minutes. But this doesn’t mean instant approval of credit is guaranteed. And it’s important to compare all the features of a credit card and check eligibility requirements before applying.

Balance Transfer Offer Purchase Offer Representative APR
Post Office Platinum
post office platinum credit card
  • 0% on balance transfers for 22 months made in the first 3 months
  • 0% balance transfer fee during the first 90 days, 2.98% thereafter
  • 0% on purchases for the first 3 months
  • No fees on purchases made overseas
  • No cash fee to buy travel money at the Post Office
  • Free purchase protection insurance against accidental damage, loss and theft for up to 90 days
0% for
22 months
(No fee)
0% for
3 months
17.8% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 17.8% (variable) per annum, your representative APR will be 17.8% APR (variable).
AA Balance Transfer
aa balance transfer credit card
  • 0% balance transfers for 24 months made in the first 3 months after account opening
  • No balance transfer fee to pay
  • 0% on purchases for 3 months
  • The APR is dependent on your personal circumstances
0% for
24 months
(No fee)
0% for
3 months
19.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR will be 19.9% APR (variable).
aqua classic
aqua classic credit card
  • Rebuild and strengthen a credit score
  • Suitable for past credit problems or new to credit
  • Free unlimited access to your credit report
  • The APR is dependent on your personal circumstances
Not offeredNot offered29.7% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 29.71% (variable) per annum, your representative APR will be 29.7% APR (variable).
aqua advance
aqua advance credit card
  • Rate reduction over 3 years when the account is managed well
  • No non-sterling transaction fee on spending abroad
  • Rebuild and strengthen a credit score
  • Suitable for past credit problems or new to credit
  • The APR is dependent on your personal circumstances
Not offeredNot offered34.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 34.91% (variable) per annum, your representative APR will be 34.9% APR (variable).
AA Low Rate
aa low rate credit card
  • 6.4% p.a. (variable) on purchases and balance transfers
  • No balance transfer fee to pay
  • The APR is dependent on your personal circumstances
6.4% p.a. for
life of balance

(No fee)
Not offered6.4% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 6.4% (variable) per annum, your representative APR will be 6.4% APR (variable).
Bank of Scotland Platinum Balance Transfer 39 Months
bank of scotland platinum balance transfer 39 months credit card
  • 0% on balance transfers for up to 39 months made in the first 90 days
  • 2.95% balance transfer fee during the first 90 days 3% thereafter
  • 0% on purchases for 6 months
  • The APR and length of the promotional period are dependent on your personal circumstances
0% for
39 months
(2.95% fee)
0% for
6 months
18.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 18.95% (variable) per annum, your representative APR will be 18.9% APR (variable).
Bank of Scotland Bank Of Scotland Low Rate
bank of scotland low rate credit card
  • Representative 6.4% APR (variable) on purchases and balance transfers
  • No balance transfer fee during the first 90 days, 3% thereafter
  • The APR is dependent on your personal circumstances
6.45% p.a. for
life of balance

(No fee)
Not offered6.4% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 6.45% (variable) per annum, your representative APR will be 6.4% APR (variable).
Bank of Scotland Bank Of Scotland Platinum Balance Transfer 24 Months
bank of scotland platinum balance transfer 24 months credit card
  • 0% on balance transfers for up to 24 months made in the first 90 days (minimum £100 transfer)
  • 2.5% balance transfer fee during the first 90 days, 3% thereafter
  • 0% on purchases for up to 24 months
  • The APR is dependent on your personal circumstances
0% for
24 months
(2.5% fee)
0% for
24 months
18.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 18.95% (variable) per annum, your representative APR will be 18.9% APR (variable).
Post Office Matched
post office matched credit card
  • 0% on balance transfers for 16 months made in the first 3 months
  • 2.98% balance transfer fee applies
  • 0% on purchases for the first 27 months if a transaction is made in the first 3 months
  • No cash fee to buy travel money at the Post Office
  • Free purchase protection insurance against accidental damage, loss and theft for up to 90 days
0% for
16 months
(2.98% fee)
0% for
27 months
18.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR will be 18.9% APR (variable).
Bank of Scotland Bank Of Scotland Platinum Balance Transfer 20 Months
bank of scotland platinum balance transfer 20 months credit card
  • 0% on balance transfers for up to 20 months made in the first 90 days (minimum £100 transfer)
  • No balance transfer fee during the first 90 days, 3% thereafter
  • 0% on purchases for 6 months
  • The APR and length of the promotional period are dependent on your personal circumstances
0% for
20 months
(No fee)
0% for
6 months
18.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 18.95% (variable) per annum, your representative APR will be 18.9% APR (variable).
marbles
marbles credit card
  • FastCheck your eligibility for an instant response before you apply
  • Start with an easy-to-manage credit limit from £250
  • Track transactions online and pick the payment date you want
Not offeredNot offered29.7% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 29.75% (variable) per annum, your representative APR will be 29.7% APR (variable).
Bank of Scotland Platinum Balance Transfer 32 Months
bank of scotland platinum balance transfer 32 months credit card
  • 0% on balance transfers for up to 32 months made in the first 90 days (minimum £100 transfer)
  • 1.13% balance transfer fee during the first 90 days, 3% thereafter
  • 0% on purchases for 6 months
  • The APR and length of the promotional period are dependent on your personal circumstances
0% for
32 months
(1.13% fee)
0% for
6 months
18.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 18.95% (variable) per annum, your representative APR will be 18.9% APR (variable).
AA Dual Credit Card
aa dual credit card credit card
  • 0% on balance transfers for 20 months made in the first 3 months after account opening
  • 2.98% balance transfer fee applies
  • 0% on purchase for 26 months (a transaction must be made within the first 3 months, otherwise the promotional period will be reduced to 20 months)
  • The APR is dependent on your personal circumstances
0% for
20 months
(2.98% fee)
0% for
26 months
18.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR will be 18.9% APR (variable).
aqua reward
aqua reward credit card
  • Earn 0.5% cash back on all purchases
  • No non-sterling transaction fee on spending abroad
  • Rebuild and strengthen a credit score
  • Suitable for past credit problems or new to credit
  • The APR is dependent on your personal circumstances
Not offeredNot offered34.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 34.91% (variable) per annum, your representative APR will be 34.9% APR (variable).
aqua start
aqua start credit card
  • Rebuild and strengthen a credit score
  • Suitable for past credit problems or new to credit
  • Initial credit limit between £100 and £300, with a possible credit increase after 4 months if the account is managed well
  • The APR is dependent on your personal circumstances
Not offeredNot offered49.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £300 at a purchase rate of 49.94% (variable) per annum, your representative APR will be 49.9% APR (variable).
Post Office Balance Transfer
post office balance transfer credit card
  • 0% on balance transfers for 37 months made in the first 3 months
  • 2.49% balance transfer fee during the first 90 days, 2.98% thereafter
  • 0% on purchases for the first 3 months
  • No cash fee to buy travel money at the Post Office
0% for
37 months
(2.49% fee)
0% for
3 months
18.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR will be 18.9% APR (variable).
Bank of Scotland Classic
bank of scotland classic credit card
  • 0% on balance transfers for up to 18 months made in the first 90 days (minimum £100 transfer)
  • 3% balance transfer fee applies
  • 0% on purchases for 9 months
0% for
18 months
(3% fee)
0% for
9 months
25.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 25.95% (variable) per annum, your representative APR will be 25.9% APR (variable).

Finding the best instant decision credit card

More on applying for a credit card
how to apply online for a credit card

Find out how to apply online for a credit card in this guide.

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how to access your credit report online

Check credit reports online for free with Experian, Equifax and CallCredit. We look at how the process works.

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why was my credit card application rejected?

Lenders assess credit card applications based on two things: profit and risk.

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how long will it take to get my credit card?

Credit card applications can take from 5 to 10 working days to be accepted or rejected but some factors can speed up applications.

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What’s an instant decision credit card?

The majority of providers offer online credit card applications. Instant decision credit cards make applying even easier by approving or declining an application within minutes. The outcome is almost immediate because it’s based on a credit referencing agency score. But while the decision itself will be quick, a credit card will still need to be posted and sometimes there’ll be an agreement to sign.

Although they’re easy to apply for, it’s best not to make repeated application attempts if declined, as this will affect a credit score in the same way as repeatedly applying for a credit card in a bank. And the choice of credit card to apply for should be based on how appropriate the card is, not on how quick it is to apply. See our full guide here to instant decision credit cards for more details about how online applications work.

How to look for the best deal

Instant access credit cards tend to fall under two categories: high APRs and low credit limits for those who are new to credit or have little credit history; and lower APRs and higher limits for those with better credit history. Carefully reading any exclusions and features of a card before applying can help prevent being rejected for an unsuitable application.

It’s important to consider other features of a card to ensure it’s offering the best deal. Usually it’s better to have a low APR, but paying off a credit card in full before the end of each month can save paying any interest. If it’s unlikely this will be possible, it may be better to opt for a lower interest credit card or a different way of borrowing.

Aside from the APR and credit limit on an instant access credit card, other features to take into consideration include: if there is a balance transfer facility; any fees that could make the card less cost effective; and if it offers cashback rewards, points or discounts.

Getting an instant decision

An instant access credit card application will either be accepted, rejected or referred on for closer review. If it’s accepted an agreement will need to be signed before the credit card’s posted out. Some agreements can be signed online saving time by not having to wait for paperwork to arrive. If an application is declined, a provider may still get in touch to explain why it wasn’t successful.

In some cases, an application may be referred and a credit card provider will get in contact to ask for further information before proceeding with any decision. And some providers, particularly those offering instant access to people with poor credit history, will always speak with a customer before accepting an application.

Understanding credit card eligibility

Before applying for any instant decision credit card, it’s a good idea to read any exclusions. Making an application without understanding eligibility can cause unnecessary damage to credit history when an application is rejected. After applying, a credit check will be carried out by the provider and the application will be rated based on credit score.

How providers assess credit scores varies greatly and they’ll look at multiple factors to assess whether an applicant is too risky to accept. These can include: any missed payments on loans or credit cards; any bankruptcies; and if there are any County Court Judgements (CCJs). Some providers, for example those offering credit builder credit cards, won’t necessarily reject an application with credit history problems. But again, it’s vital to understand eligibility before applying.

Avoiding multiple credit applications

Instant decision credit cards are convenient as applications are quick and easy. But this shouldn’t lead to the temptation to apply for multiple cards in a short space of time. If rejected, multiple applications can be damaging to a credit history; other providers will be wary of lending to an applicant with a record of too many rejections.

Rather than make repeated applications, it may be worth getting a credit check to look for reasons why an application was rejected or to pinpoint credit history mistakes including incorrect addresses. In many cases credit reports can be accessed free of charge or for a small fee and will reflect better on a credit history than repeatedly applying and getting rejected.

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