Instant Decision Credit Cards

Instant decision credit cards offer a decision in minutes when you apply online.

There is a range of credit cards offering instant decisions available, from cards to rebuild a poor credit history to cash back and 0% balance transfer offers.

These credit cards offer the added convenience of a speedier application and an instant decision in minutes, but remember to choose a card that will continue to benefit you.

compare instant decision credit cards



Best Choice
Best For... Balance Transfer Offer
Intro Purchase Offer
Rewards Typical APR
(variable)

Egg
Egg
Leading 0% balance transfers for up to 14 months & cash back and discounts with selected retailers 0%
until 1 Nov 2011
(3% transfer fee)
0%
until 1 Dec 2010
Egg Cash Back Store
apply online
Barclaycard Initial
Barclaycard Initial
Building and strengthening a poor or no credit history.
Barclaycard Freedom & Barclaycard services.
Not offered Not offered Barclaycard Freedom & Thomas Cook Discounts
(Up to 1% Reward Money at participating retailers)
apply online
Capital One Classic
Capital One Classic
Building and strengthening a poor credit history.
Free access to your Equifax credit report.
Not offered Not offered None
apply online
Post Office
Post Office
0% balance transfers for 12 months, and again in 2010 and 2011 0%
for 12 months
another 0% for 5 months in 2011 & 2012
(2.98% transfer fee)
0%
for 3 months
2-in-1 loan
apply online
Tesco Clubcard
Tesco Clubcard
Earning Clubcard points and 0% purchase rates 0%
for 9 months
(2.9% transfer fee)
0%
for 13 months
Tesco Clubcard points
(1 Clubcard point for each £4 spent)
apply online
Capital One Progress
Capital One Progress
Continuing to improve a good credit history.
Free access to your Equifax credit report.
Not offered Not offered None
apply online
Capital One World MasterCard
Capital One World MasterCard
1% cash back on all spending Not offered Not offered Cash back
(1% on all purchases)
apply online
American Express Platinum
American Express Platinum
Earning up to 5% cashback on all your spending Not offered 0%
for 6 months
cash back
(up to 5%)
apply online
American Express Rewards
American Express Rewards
Earning points for high street shopping vouchers Not offered 0%
for 6 months
Express Rewards: Earn more at supermarkets & department stores, redeem for shopping vouchers
(Up to 3 Express points for each £1 spent)
apply online
American Express Starwood Preferred Guest
American Express Starwood Preferred Guest
Earnings points for hotel & travel rewards Not offered Not offered Starwood Hotel Points
(1 Starpoint for each £1 spent)
apply online
RBS Platinum
RBS Platinum
Great 0% balance transfers for 15 months 0%
for 16 months
(2.9% transfer fee)
0%
for 3 months
Shopping & travel discounts
apply online
Natwest Platinum
Natwest Platinum
Great 0% balance transfers for 15 months 0%
for 16 months
(2.9% transfer fee)
0%
for 3 months
Travel discounts & wine club offers
apply online
Nationwide Gold
Nationwide Gold
Commission free use abroad, 0% in Europe and 1% outside of Europe.
0% balance transfers for 13 months.
0%
for 15 months
(3% transfer fee)
0%
for 3 months
None
apply online
RBS Classic (Existing Customers Only)
RBS Classic (Existing Customers Only)
4.9% intro purchases for 9 months for existing RBS customers Not offered 4.9%
for 9 months
Shopping & travel discounts
apply online
Natwest Classic (Existing Customers Only)
Natwest Classic (Existing Customers Only)
4.9% intro purchases for 9 months for existing Natwest customers Not offered 4.9%
for 9 months
Travel discounts & wine club offers
apply online
British Airways
British Airways
Earning BA Miles with no annual fee Not offered Not offered British Airways flyer miles
(1 BA Mile for each £1 spent)
apply online
British Airways Premium Plus
British Airways Premium Plus
Earning BA Miles for frequent BA flyers Not offered Not offered British Airways flyer miles
(up to 3 BA Miles for each £1 spent)
apply online