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 Transfer Rate Duration and FeeNew Purchases Rate and DurationTypical APR VariableCashBack or Loyalty RewardsApply
MBNA RewardsMBNA Rewards
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0% for 13 months
(2.9% fee)
0% for 3 months15.9%Reward pointsapply online
Bank of ScotlandBank of Scotland
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0% for 9 months
(3% fee)
0% for 9 months15.9%N/Aapply online
MBNA Platinum PlusMBNA Platinum Plus
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0% for 13 months
(2.9% fee)
0% for 3 months15.9%N/Aapply online
RBS PlatinumRBS Platinum
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0% for 15 months
(2.9% fee)
0% for 3 months16.9%N/Aapply online
Halifax All In OneHalifax All In One
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0% for 9 months
(3% fee)
0% for 9 months15.9%N/Aapply online
BTBT
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0% for 13 months
(3% fee)
0% for 3 months16.9%Money off BT billapply online
NatWest PlatinumNatWest Platinum
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0% for 15 months
(2.9% fee)
0% for 3 months16.9%N/Aapply online
RBS ClassicRBS Classic
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N/A
4.9% for 9 months16.9%N/Aapply online
RBS GoldRBS Gold
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8.9% for life
(No fee)
8.9% for 9 months16.9%N/Aapply online
NatWest GoldNatWest Gold
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8.9% for life
(No fee)
8.9% for 9 months16.9%N/Aapply online
HSBC BankHSBC Bank
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0% for 15 months
(2.9% fee)
0% for 3 months16.9%N/Aapply online

Latest Instant Decision Credit Card News


New RBS Credit Card Offer

18th May 2009

RBS have a new balance transfer offer available on the RBS Platinum credit card which now 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 RBS credit card is a MasterCard which is available for online applications to existing RBS customers only. Read More

Virgin Credit Card Offer Changes

17th April 2009

Virgin Money, has increased the balance transfer offer available on the Virgin credit card and now offers one of the longest introductory offers in the current UK credit card market with 0% on balance transfers for 16 months from the date your account is opened, with a 2.98% handling fee and a typical 16.6% APR variable. The Virgin credit card is a MasterCard and is available for online applications. Read More

MasterCard 2 For 1 Days Out

2nd April 2009

MasterCard are currently offering 2 for 1 vouchers for a selection of the UK's top attractions this summers as well as running a competition to win 1 of 500 family day passes. The competition is open to all UK MasterCard holders who use their card between the 1st of April and 30th of June 2009 and who register at the MasterCard web site. Read More

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