Instant Decision Credit Cards

Instant decision credit cards are credit cards 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 instant decision credit cards can now complete all the paperwork online making the application process easier and faster. This allows you to receive your new instant decision 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 :-

	Virgin Show More Information
Virgin Money, Discovery House, Whiting Road, Norwich, NR4 6EJ

0% for 20 months (2.99% fee)	0% for 3 months	16.8% APR	Virgin product discounts
Representative Example: 16.8% p.a. (variable) on card purchases. This is equivalent to 16.8% APR representative (variable) based on assumed credit limit of £1,200.
Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Good credit rating

	Barclaycard Platinum Visa Show More Information
Barclays Bank PLC, 1 Churchill Place, London, E14 5HP

0% for 22 Months (2.9% fee)	0% for 3 months	17.9% APR	N/A
Representative Example: 17.9% APR Representative (variable). Based on 2.9% balance transfer fee, credit limit of £1,200, annual interest rate (variable) 17.9%.
Who Can Apply: UK resident, Age 21+, Income £20,000+, Good credit rating

	Tesco Clubcard Show More Information
Tesco Bank, PO Box 5747, Southend on Sea, SS1 9AJ

0% for 9 months (2.9% fee)	0% for 15 months	16.9% APR	Tesco Clubcard points
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 16.9% p.a. (variable). *Your credit limit may vary depending upon your circumstances
Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Income £5,000+

	NatWest Platinum Show More Information
National Westminster Bank PLC, 135 Bishopsgate, London, EC2M 3UR

0% for 20 months (2.9% fee)	0% for 6 months	17.9% APR	N/A
Representative Example: Representative 17.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable). Please note: In the Representative Example above we have used an assumed credit limit of £1,200. The actual credit limit assigned to individual accounts will vary depending on our credit assessment of you.
Who Can Apply: UK resident, Age 18+, Income £10,000+, Good credit rating

	Lloyds TSB Platinum Show More Information
Lloyds TSB Bank plc, 25 Gresham Street, London, EC2V 7HN

0% for 15 months (1.5% fee)	0% for 3 months	17.9% APR	N/A
Representative Example: 15.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of £1,200, annual interest rate (variable) 15.94%
Who Can Apply: UK resident, Age 18+, Minimum Income £15,000+, Good credit rating

	Virgin All Round Show More Information
Virgin Money, Discovery House, Whiting Road, Norwich, NR4 6EJ

0% for 16 months (1.99% fee)	0% for 6 months	15.8% APR	Virgin product discounts
Representative Example: 15.8% p.a. (variable) on card purchases. This is equivalent to 15.8% APR representative (variable) based on assumed credit limit of £1,200
Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Good credit rating

	Halifax All In One Show More Information
Bank of Scotland plc, The Mound, Edinburgh, EH1 1YZ

0% for up to 15 months* (3% fee)	0% for up to 15 months*	17.9% APR	N/A
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable). *The APR and length of the promotional offer are dependent on your personal circumstances
Who Can Apply: UK resident, Age 18+, Regular income, Good credit rating

	RBS Platinum Show More Information
The Royal Bank of Scotland plc. 36 St Andrew Square, Edinburgh, EH2 2YB

0% for 20 months (2.9% fee)	0% for 6 months	17.9% APR	N/A
Representative Example: Representative 17.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable). Please note: In the Representative Example above we have used an assumed credit limit of £1,200. The actual credit limit assigned to individual accounts will vary depending on our credit assessment of you.
Who Can Apply: UK residents, Age 18+, Income £10,000+

	Bank of Scotland Show More Information
Bank of Scotland plc, The Mound, Edinburgh, EH1 1YZ

0% for 12 months (3% fee)	0% for 12 months	17.9% APR	N/A
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)
Who Can Apply: UK resident, Age 18+, Regular income, Good credit rating

	AA Show More Information
MBNA Europe Bank Limited, Stansfield House, Chester Business Park, Chester, CH4 9QQ

0% for 12 months (3% fee)	0% for 10 months	16.9% APR	AA Reward points
Representative Example: 16.9% p.a. (variable) on card purchases. This is equivalent to 16.9% APR representative (variable) based on a credit limit of £1200
Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Good credit rating

	Virgin All Round Show More Information
Virgin Money, Discovery House, Whiting Road, Norwich, NR4 6EJ

0% for 16 months (1.99% fee)	0% for 6 months	15.8% APR	Virgin product discounts
Representative Example: 15.8% p.a. (variable) on card purchases. This is equivalent to 15.8% APR representative (variable) based on assumed credit limit of £1,200
Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Good credit rating

	Post Office MasterCard Show More Information
Bank of Ireland (UK) plc. Bow Bells House, 1 Bread Street, London, EC4M 9BE

0% for 14 months (2.98% fee)	0% for 3 months	16.9% APR	N/A
Representative Example: 16.9% APR Representative (variable). Based on 2.98% balance transfer fee, credit limit of £1,200, annual interest rate (variable) 16.9%
Who Can Apply: UK resident, Age 18+, Minimum Income £15,000+, Good credit rating

Latest Instant Decision Credit Card News

New Virgin All Round Credit Card

24th October 2011

Virgin Money have introduced a new credit card the Virgin All Round credit card. The new Virgin All Round card offers 0% on balance transfers for 16 months for transfers made within the first 60 days, with a lower than average 1.99% handling fee and a representative 15.8% APR variable. The Virgin credit card is a MasterCard which is available for online applications. Read More

New AA Balance Transfer Credit Card

17th October 2011

The AA have introduced a new balance transfer credit card. The introductory offer available on the AA balance transfer credit card card is an introductory offer of 0% on balance transfers for 16 months, with a handling fee of 2.9% and an interest rate of a representative 17.9% APR variable. The AA balance transfer credit card is a MasterCard credit card and is available for online applications. Read More

New Virgin Credit Card Offer

28th July 2011

Virgin Money have changed the promotional balance transfer offer available on the Virgin credit card which now offers 0% on balance transfers for 18 months for transfers made within the first 60 days, with a 2.7% handling fee and a representative 16.8% APR variable. The Virgin credit card is a MasterCard which is available for online applications. Read More

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