Instant Decision Credit Cards

Instant decision cards are exactly that. Once the application has been filled out, the applicant will be informed of the decision almost immediately.

 APPLY ONLINE

Credit Needed
Bad
  • Free Aqua credit checker - £250 - £1,200 Credit limit
  • Aqua accept people who have had CCJs or are on a low income
  • Aqua has said YES to over 750,000 customers in the UK
  • Text reminders, so you need never miss a payment
  • You must be a UK resident, without CCJs in the past 12 months
  • Must not have taken out a Marbles card in the past 12 months
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £0
    Representative APR (variable)
    27.4%
    APR

Representative Example: Representative 27.4% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 27.4% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • Great for people with bad credit or who are looking to improve their current rating - even if they have had problems with credit in the past
  • Credit limit from £200 to £1,500
  • Online response in 60 seconds
  • Pay contactlessly up to £30
  • Must be a UK resident, aged 18 years or over
  • You must have had credit in the UK before
  • You must not have been declared Bankrupt in the last 12 months
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £0
    Representative APR (variable)
    29.8%
    APR

Representative Example: Representative 29.8% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 29.84% p.a. (variable)

  • Features a QuickCheck service that tells you before you apply if you will be accepted. This does not harm your credit score
  • Credit Limits up to £1,500
  • One simple interest rate for all transactions
  • Free text alerts to help you stay in control
  • Contactless payment up to £30
  • Must be a UK resident on the electoral roll, and have some history of managing credit
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £0
    Representative APR (variable)
    34.9%
    APR

Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.9% p.a. (variable)

  • 0% on purchases for the first 29 months
  • 0% on balance transfers for up to 29 months - 2.95% fee for the first 60 days (20.9% APR and 5% fee thereafter) plus 0% interest for up to 29 months on money transfers - 4% fee for the first 60 days (22.9% APR and 5% fee thereafter)
  • Find out if you are eligible before applying for this card
  • Apple and Android Pay enabled
  • Must be aged 18 or over, hold a UK bank account and must have been a permanent UK resident for at least 3 years
  • Balance Transfer
    Rate & Duration
    0%
    29 Months
    Balance Transfer
    Fee
    2.95%
    Purchases
    Intro
    0%
    29 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% for 32 Months on Balance Transfers (0.8% fee in the first 90 days - 3% fee thereafter)
  • 0% on purchases for 12 months from account opening
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • Minimum £100 balance transfer
  • APR dependent on circumstances
  • Must be a UK resident, aged 18 years or over, have a regular income, not be declared bankrupt, have any CCJs, and not be subject to an IVA
  • Balance Transfer
    Rate & Duration
    0%
    32 Months
    Balance Transfer
    Fee
    0.8%
    Purchases
    Intro
    0%
    12 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Fair
  • FastCheck your eligibility for an instant response before you apply - without affecting your credit score
  • Choose your repayment date and receive text alerts when you are approaching your credit limit
  • Start with an easy-to-manage credit limit of £100-£1,200
  • Credit limit review after 3 months, so you could get an increase on your 4th statement
  • You must be a UK resident, aged 18 years or over, with no CCJs or bankruptcy in the past 12 months
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £0
    Representative APR (variable)
    24.8%
    APR

Representative Example: Representative 24.8% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 24.84% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% for 32 Months on Balance Transfers (0.8% fee in the first 90 days - 3% fee thereafter)
  • £20 cashback on the first balance transfer made within 90 days of account opening - offer exclusively online until 16th May 2017
  • Contactless payment enabled
  • Apple Pay enabled payments
  • Minimum £100 balance transfer
  • APR is dependent on your circumstances
  • You must be a UK resident, aged 18 years or over, with a regular income, and be free from CCJs, not be currently bankrupt, or subject to an IVA
  • Balance Transfer
    Rate & Duration
    0%
    32 Months
    Balance Transfer
    Fee
    0.8%
    Purchases
    Intro
    0%
    12 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)

  • Earn unlimited cashback everywhere - 10% on selected Asda Money insurance products, 2% cashback on your Asda shopping & Asda fuel and 1% everywhere else
  • 0% on balance transfers for 15 months
  • 0% on purchases of £200 or more for 6 months at George.com
  • Get a FREE credit report for life
  • Contactless payment
  • £3 monthly fee
  • You must be a UK resident, aged 18 years or over, have a household income of at least £10,000
  • Balance Transfer
    Rate & Duration
    0%
    15 Months
    Balance Transfer
    Fee
    3%
    Purchases
    Intro
    n/a
    Annual Fee
    £36
    Representative APR (variable)
    26.2%
    APR

Representative Example: Representative 26.2% APR (variable). Based on an annual fee of £36, a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

  • 0% for 6 months on balance transfers (3% fee)
  • Build or rebuild your credit - Stay within your credit limit and make your repayments on time
  • Aqua accept applications from people who have had CCJs or are on a low income
  • Aqua has said YES to over 750,000 customers in the UK
  • You must be a UK resident, without CCJs in the past 12 months
  • Must not have taken out a Marbles card in the past 12 months
  • Balance Transfer
    Rate & Duration
    0%
    6 Months
    Balance Transfer
    Fee
    3%
    Purchases
    Intro
    n/a
    Annual Fee
    £0
    Representative APR (variable)
    34.9%
    APR

Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.95% p.a. (variable)

  • Up to 20% off from 11-18 April (inclusive) - Terms Apply
  • Plus enjoy 500 Bonus Points in your first statement (500 points = £5 Reward Voucher)
  • Earn Debenhams points - 3 points for every £1 you spend at Debenhams and debenhams.com and 1 point for every £2 you spend everywhere else
  • 0% for 12 months on balance transfers (2.99% fee applies - T&Cs apply) - transfers must be made within 6 weeks of account opening
  • Eligibility Criteria: Must be 18 years or over, a UK resident, have a current bank account and a home or mobile phone number, must not already hold a Debenhams credit card, must have a regular income
  • Balance Transfer
    Rate & Duration
    0%
    12 Months
    Balance Transfer
    Fee
    2.99%
    Purchases
    Intro
    n/a
    Annual Fee
    £0
    Representative APR (variable)
    24.9%
    APR

Representative Example: Representative 24.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 24.94% p.a. (variable)

  • £20 Amazon voucher when you make balance or money transfers totalling at least £1000 within the first 60 days
  • 0% on purchases for the first 28 months
  • 0% on balance transfers for up to 28 months - 2.95% fee (first 60 days), 0% interest for up to 28 months on money transfers - 4% fee (first 60 days)
  • Find out if you are eligible before applying for this card
  • Apple and Android Pay enabled
  • Must be aged 18 or over, hold a UK bank account and must have been a permanent UK resident for at least 3 years
  • Balance Transfer
    Rate & Duration
    0%
    28 Months
    Balance Transfer
    Fee
    2.95%
    Purchases
    Intro
    0%
    28 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

  • 0% on balance transfers for 41 months from account opening on balance transfers made within the first 90 days - 2.29% fee (3% is initially applied, then 0.71% is refunded) - 3% after this time
  • 0% for 6 months from account opening on purchases
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • Must be a UK resident, aged 18 years or over, have a regular income, not subject to an IVA or currently bankrupt
  • Balance Transfer
    Rate & Duration
    0%
    41 Months
    Balance Transfer
    Fee
    2.29%
    Purchases
    Intro
    0%
    6 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • Earn unlimited cashback everywhere - 10% on selected Asda Money insurance products, *1% cashback on your Asda shopping & Asda fuel and 0.5% everywhere else
  • 0% on balance transfers for 12 months
  • 0% on purchases of £200 or more for 6 months at George.com
  • Get a FREE credit report for life
  • Contactless payment
  • You must be a UK resident, aged 18 years or over, have a household income of at least £10,000
  • Balance Transfer
    Rate & Duration
    0%
    12 Months
    Balance Transfer
    Fee
    2.9%
    Purchases
    Intro
    0%
    6 Months†
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

Representative Example: Representative 19.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% on balance transfers for 27 months (2.75% fee applies)
  • 0% on purchases for 27 months from account opening
  • Manage your account anywhere with online and mobile banking
  • No monthly or annual fees
  • Apple Pay enabled contactless payments
  • You will receive the exact rate and offer advertised if your application is accepted (Subject to status)
  • You must be a UK resident, aged 18 years or over, have a good credit history, have no CCJ or bankruptcy history, and must have an income of at least £7,500
  • Balance Transfer
    Rate & Duration
    0%
    27 Months
    Balance Transfer
    Fee
    2.75%
    Purchases
    Intro
    0%
    27 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • You'll start with an easy to manage credit limit up to £1,000, but you could get a credit limit increase after your 5th statement up to £4,000
  • Free fraud monitoring
  • Good for applicants who want to build or rebuild their credit rating
  • Must be a UK resident, aged 18 or over
  • Not available to applicants who already hold a Vanquis Bank issued credit card (Vanquis, Aquis, NEO, Black Diamond, Chrome)
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £0
    Representative APR (variable)
    39.9%
    APR

Representative Example: Representative 39.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 39.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% on purchases and balance transfers for 12 months (with 0.15% balance transfer fee)
  • Rewards range from the high street, online favourites, places to eat and drink, to top entertainment and days out
  • Earn points wherever you shop with double Freedom points on your UK supermarket, petrol station and all Transport for London spend, plus triple points at selected Freedom partners (see issuer's website for details)
  • Apple Pay enabled payments
  • You must be a UK resident, aged 18 years or over, with a good credit rating
  • To qualify for both a 0% interest rate on balance transfers for a year and £20 worth of bonus Freedom points, you will need to transfer a balance of at least £500 within the first 60 days of opening your account
  • Balance Transfer
    Rate & Duration
    0%
    12 Months
    Balance Transfer
    Fee
    0.15%
    Purchases
    Intro
    0%
    12 Months
    Annual Fee
    £0
    Representative APR (variable)
    21.9%
    APR

Representative Example: Representative 21.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • Credit limit of up to £1,500
  • Get a response in 60 seconds
  • Luma could still accept you even if you have had CCjs in the past
  • Contactless payment enabled
  • You must be a UK resident, aged 18 years or over
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £0
    Representative APR (variable)
    35.9%
    APR

Representative Example: Representative 35.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 35.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • Features a QuickCheck service that tells you before you apply if you will be accepted. This does not harm your credit score
  • Credit Limits up to £1,500
  • One simple interest rate for all transactions
  • Free text alerts to help you stay in control
  • Contactless payment up to £30
  • Must be a UK resident on the electoral roll, and have some history of managing credit
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £0
    Representative APR (variable)
    35.9%
    APR

Representative Example: Representative 35.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 35.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • Free Aqua Credit Checker
  • Opportunity to reduce your APR to 19.9% simply for making payments on time and keeping to your credit limit
  • No fees on your purchases abroad, making this the card for your holiday
  • Aqua accept applications from people who have had CCJs or are on a low income
  • Aqua has said YES to over 750,000 customers in the UK
  • You must be a UK resident, without CCJs in the past 12 months
  • Must not have taken out a Marbles card in the past 12 months
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £0
    Representative APR (variable)
    34.9%
    APR

Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.95% p.a. (variable)

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What are Instant Decision credit cards?

Instant decision credit cards are all very different. They may fall within any number of other credit card categories from Air mile to Zero APR, but they have one unifying attribute which makes them a popular choice for applicants – An instant decision (or response) on credit card applications.

In terms of credit cards ‘instant’ could actually take up to 2 minutes, but relative to historic norms (where credit card applications could take days or weeks to process) the processing of applications is very quick.

How can credit card issuers give an instant decision?

When assessing applications credit card issuers use numerous data sources and sophisticated models to determine who they accept or reject. But, although the calculations involved can be complex, the vast majority of the processing is automated.

Some issuers still use people to process applications manually, but these are a minority of applicants, usually where an automated decision is not clear-cut.

Do all applicants get an instant decision?

Of course, automating the application process requires the data that supports the mathematical models for ‘decisioning’ to be available. Credit reports, sourced from credit reference agencies, are an essential part of the process. If an issuer’s link to a credit reference agency is down, then they lose their ability to offer instant decisions.

It is also true that some issuers will not approve applications during certain periods, as they are more exposed to fraud. Applications made from around midnight to six in the morning will often be ‘referred’ and ‘decisioned’ later during working hours, or when more support is available to identify unusual activity.

Nevertheless, in all cases, a decision (or response) regarding the status of the application is made, whether that is to accept, decline or refer application for further consideration.

Do credit card ‘eligibility checkers’ offer an instant decision?

A number of credit card issuers now offer soft search eligibility checkers to help applicants assess their chances of being accepted before they make a full application. Although these tools are incredibly useful, most do not offer what would be a pre-approval for a product.

Most eligibility checkers only assess a single credit report that individuals could obtain from one of the three credit reference agencies and match the publicly available credit score against details shared by issuers about likely acceptance. However, most credit card issuers use more than one credit reference agency to obtain the credit reports they use in determining how the treat an individual applicant.

The data supplied by the reference agencies is only one (albeit important) part of the data sourced to ‘decision’ applicants, and the publicly available data is not the same data that issuers receive from credit bureaus.

Do instant decision credit cards offer an immediate credit line?

Regardless of whether an instant decision is available (in many instances it is) processing of the card still takes some time and the card cannot be used until it has been activated (to help prevent fraud).

Under normal circumstances, it takes around 4 or 5 days for the physical card to arrive in the post.

Bad credit instant decision credit cards

Bad credit credit card applications were amongst the first in the UK to offer and promote the fact that they could offer instant responses on credit card applications. That does not mean that all bad credit issuers now offer instant ‘decisioning’, but many do.

Nevertheless, it is possible that people with bad credit more to fear from instant decisions than others might. Where it once took days to get a response, individuals had time to reflect upon the wisdom of additional applications. With responses now available in a matter of seconds, it is perhaps tempting for those declined to instantly apply for an alternative product – not recognising that multiple applications in short succession are likely to have a profoundly negative effect on their credit score.

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