Instant Decision Credit Cards

Compare credit cards offering an instant decision and find the best deal for you.

Instant decision credit cards

An instant decision online can significantly reduce the time it takes to get a credit card.

However, an instant decision application should be approached with the same caution as any other card application: making multiple applications means multiple credit record searches and those can be detrimental to future card applications. See our full instant decision credit card guide for more information on this.

Compare deals by sorting column headers and apply online or view more details:

	Balance Transfer Offer	Purchase Intro Offer	Rewards	Additional Information
Barclaycard Initial	Not offered	Not offered	Barclaycard Freedom & Thomas Cook Discounts Up to 1% Reward Money at participating retailers	Suitable for those with a poor credit score	More details
Representative Example: 29.9% p.a. variable on purchases. This is equivalent to 29.9% APR representative variable based on a credit limit of £1,200. Barclays Bank, 1 Churchill Place, London, E14 5HP.
Capital One Classic	Not offered	Not offered	eXtras: select online discounts	Suitable for those with a poor credit score	More details
Representative Example: 34.94% p.a. variable on purchases. This is equivalent to 34.9% APR representative variable based on a credit limit of £1,200. Capital One (Europe) plc, Registered Office: Trent House, Station Street, Nottingham, NG2 3HX.
Tesco Clubcard	0% for 9 months 2.9% fee	0% for 15 months	Tesco Clubcard points 1 Clubcard point for each £4 spent	-	More details
Representative Example: 16.9% p.a. variable on purchases. This is equivalent to 16.9% APR representative variable based on a credit limit of £1,200. Tesco Bank, PO Box 5747, Southend on Sea, SS1 9AJ.
Post Office	0% for 14 months 2.98% fee	0% for 3 months	None	Another 0% for 5 months on the 2nd and 3rd anniversary Includes transfers to a current account (2.98% fee)	More details
Representative Example: 16.9% p.a. variable on purchases. This is equivalent to 16.9% APR representative variable based on a credit limit of £1,200. Post Office Limited, 148 Old Street, London, EC1V 9HQ.
American Express Platinum	Not offered	Not offered	Cash back 5% for 3 months (up to £100 cash back), then 1.25% unlimited on all purchases, plus a yearly bonus offer	-	More details
Representative Example: 14% p.a. variable on purchases. This is equivalent to 18.5% APR representative variable based on a credit limit of £1,200 and including a £25 annual fee. American Express Services Europe Limited, Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX.

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