Compare 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.

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There are 12 credit cards offering instant decisions...

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Balance Transfer Offer

Intro Purchase Offer

Rewards

Typical APR
(variable)

Egg

Leading 0% balance transfers for up to 14 months & cash back and discounts with selected retailers

0%
until 1 Apr 2011
(3% transfer fee)

0%
until 1 May 2010

cash back & discounts at selected retailers
(up to 25%)

16.9% APR

Capital One Classic

Building and stregthening a poor credit history

Not offered

None

34.9% APR

Capital One Progress

Continuing to improve a good credit history

Not offered

None

34.9% APR

American Express Platinum Cashback

Earning up to 5% cashback on all your spending

Not offered

cash back
(up to 5%)

19.9% APR

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

16.9% APR

RBS Platinum (Existing Customers Only)

Great 0% balance transfers for 15 months for existing RBS customers

0%
for 15 months
(2.9% transfer fee)

0%
for 3 months

Shopping & travel discounts

16.9% APR

Natwest Platinum (Existing Customers Only)

Great 0% balance transfers for 15 months for existing Natwest customers

0%
for 15 months
(2.9% transfer fee)

0%
for 3 months

Travel discounts & wine club offers

16.9% APR

RBS Classic (Existing Customers Only)

4.9% intro purchases for 9 months

Not offered

4.9%
for 9 months

Shopping & travel discounts

19.9% APR

Natwest Classic (Existing Customers Only)

4.9% intro purchases for 9 months

Not offered

4.9%
for 9 months

Travel discounts & wine club offers

19.9% APR

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)

17.9% APR

British Airways

Earning BA Miles with no annual fee

Not offered

British Airways flyer miles
(1 BA Mile for each £1 spent)

19.9% APR

British Airways Premium Plus

Earning BA Miles for frequent BA flyers

Not offered

British Airways flyer miles
(up to 3 BA Miles for each £1 spent)

46% APR

Capital One Plus

0% purchases for 6 months

Not offered

0%
until 1 Aug 2010

None

14.9% APR