Instant Decision Credit Card

An instant decision credit card is a credit card which offers an instant decision on whether you have been accepted for that particular credit card at the end of the online application process. Selected credit cards can now complete all the paperwork online making the application process easier and faster, allowing you to receive your new credit card faster than when you have to wait to receive the paperwork, then sign it, return it and then get your card.

Instant decision credit cards are not available from all UK credit card issuers but those that are, come with a wide choice of features including introductory balance transfers, introductory offers on purchases or cash back and rewards. Here are our featured instant decision credit cards :-

Credit CardBalance TransfersPurchasesTypical APR VariableRewards
NatWest PlatinumNatWest Platinum
Show More Information
0% for 16 months
(2.9% fee)
0% for 3 months16.9%N/Aapply online
BTBT
Show More Information
0% for 13 months
(3% fee)
0% for 3 months16.9%Money off BT billapply online
RBS PlatinumRBS Platinum
Show More Information
0% for 16 months
(2.9% fee)
0% for 3 months16.9%N/Aapply online
MBNA Platinum PlusMBNA Platinum Plus
Show More Information
0% for 13 months
(2.9% fee)
0% for 3 months16.9%N/Aapply online
EggCardEggCard
Show More Information
0% until Sep 2011
(3% fee)
0% until Oct 201017.9%Discounts at selected retailersapply online
Halifax All In OneHalifax All In One
Show More Information
0% for 10 months
(3% fee)
0% for 10 months15.9%N/Aapply online
AAAA
Show More Information
0% for 12 months
(3% fee)
0% for 10 months16.9%AA Reward pointsapply online
Tesco ClubcardTesco Clubcard
Show More Information
0% for 9 months
(2.9% fee)
0% for 13 months16.9%Tesco Clubcard pointsapply online
Bank of ScotlandBank of Scotland
Show More Information
0% for 10 months
(3% fee)
0% for 10 months15.9%N/Aapply online
Barclaycard PlatinumBarclaycard Platinum
Show More Information
0% for 15 months
(2.9% fee)
0% for 3 months15.9%Barclaycard Freedom rewardsapply online
VirginVirgin
Show More Information
0% for 14 months
(2.98% fee)
0% for 3 months16.6%Virgin product discountsapply online
MBNA Platinum DualMBNA Platinum Dual
Show More Information
0% for 10 months
(3% fee)
0% for 10 months16.9%N/Aapply online

Latest Instant Decision Credit Card News


NatWest Longer Balance Transfer Offer

16th July 2010

NatWest have increased the introductory offer on their Platinum credit card and the card is now available with an offer of 0% on balance transfers for 16 months, with a 2.9% handling fee, and an interest rate of a typical 16.9% APR variable. The NatWest Platinum card is a MasterCard credit card which is available for online applications. Read More

New Egg Credit Card Offers

2nd July 2010

The Egg credit card has a new introductory offer on balance transfers and now comes with a rate of 0% until the 1st September 2011, with a handling fee of 3%, and a typical interest rate of 17.9% APR variable. The Egg credit card is a Visa credit card which is available for online applications. Read More

NatWest Credit Card Offer Changes

14th June 2010

NatWest's Platinum credit card was previously only available to existing NatWest current account customers but is now available to all applicants and the card offers 0% on balance transfers for 15 months, with a 2.9% handling fee, and an interest rate of a typical 16.9% APR variable. The NatWest credit card is a MasterCard which is available for online applications. Read More

Return to top of Instant Decision Credit Card page