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 months16.9%Reward pointsapply online
EggCardEggCard
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0% until May 2011
(3% fee)
0% until June 201016.9%Discounts at selected retailersapply online
MBNA Platinum PlusMBNA Platinum Plus
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0% for 13 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
Bank of ScotlandBank of Scotland
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0% for 9 months
(3% fee)
0% for 9 months15.9%N/Aapply online
Sony CardSony Card
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0% for 12 months
(3% fee)
0% for 3 months15.9%Sony Reward Pointsapply online
AAAA
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0% for 12 months
(3% fee)
0% on Fuel for 12 months16.9%AA Reward pointsapply online
RSPCARSPCA
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0% for 12 months
(3% fee)
0% for 3 months15.9%Supports the RSPCAapply online
HSBC BankHSBC Bank
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0% for 15 months
(2.9% fee)
0% for 3 months16.9%N/Aapply online
Breast CancerBreast Cancer
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0% for 12 months
(3% fee)
0% for 3 months15.9%Supports Breakthrough Breast Cancer charityapply online
bmibmi
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0% for 12 months
(3% fee)
0% for 3 months15.9%bmi destinations milesapply online

Latest Instant Decision Credit Card News


New Egg Credit Card Offer

1st December 2009

Egg credit card has changed the introductory offer available on balance transfers and the Egg credit card now comes with an introductory rate of 0% until the 1st January 2011, with a handling fee of 3%, and a typical 16.9% APR variable. The Egg credit card is a Visa card which is available for online applications. Read More

bmi Credit Card Available

21st October 2009

The bmi Credit Card is now available again to the online credit card market and has an introductory offer of 20,000 destination miles when you spend £250 on the card within 90 days of account opening, which is enough miles for a return flight to Italy or Spain. The bmi Credit card is an American Express card and is available for online applications. Read More

Egg Introductory Offer Changes

2nd October 2009

The Egg credit card has a new introductory offer on balance transfers and the Egg credit card now comes with an introductory rate of 0% until the 1st November 2010, with a handling fee of 3%, and a typical 16.9% APR variable. The Egg credit card is a Visa card which is available for online applications. Read More

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