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0% Balance Transfers

0% on Balance Transfers Credit Cards

0% Purchases

0% on Purchases Credit Cards

Reward Cards

Reward Credit Cards

Air Miles Cards

Airmiles Credit Cards

Cash Back Cards

Cashback Credit Cards

Adverse Credit

Credit Cards for People With Adverse Credit

Instant Decision Credit Cards

CompanyPackage NameBalance Transfer Rate & PeriodBalance Transfer NotesIntroductory Purchases Rate & PeriodStandard % APR (Variable)Reward NotesInstant Online Decision 
Barclaycard Platinum0% for 14 months2.9% transfer fee0% for 3 months

14.9%

6 months free gadget insurance
MBNA Platinum0% until Sept 20092.9% transfer fee0% until Nov 2008

15.9%

n/a
Virgin Credit Card0% for 15 months2.98% transfer fee0% for 3 months

15.9%

Virgin Discounts
WWF Credit card0% for 12 months3% handling fee0% for 3 months

15.9%

Contributions to WWF
bmi0% for 12 months3% transfer fee0% for 3 months

15.9%

20,000 bonus miles when you spend £250
Barclaycard Onepulse0% for 14 months2.5% transfer fee0% for 6 months

14.9%

Combines credit & Oyster card
Sony Credit Card0% for 12 months3% transfer fee0% for 3 months

15.9%

4000 Free Pulsebeats when you first use the card
Natwest Classic0% for 13 months2.9% transfer fee0% for 6 months

15.9%

Take advantage of the Natwest Travel Club and Wine Club.
MBNA Platinum Reward0% for 13 months2.9% transfer fee0% for 3 months

15.9%

MBNA reward points
Barclaycard Cashback0% for 12 months2.5% transfer feen/a

16.9%

Up to 4% cashback
Virgin Atlantic Credit card0% for 6 months2% transfer feen/a

17.9%

Air Miles
Halifax One Card0% for 10 months3% transfer fee0% for 10 months

15.9%

n/a
Citibank Shell Mastercard0% for 12 months3% transfer feen/a

16.9%

Earn 3% on Shell fuel purchases
Amex Nectarn/an/an/a

18.9%

5,000 Nectar points when you spend £200 in first 3 months
RSPCA Credit Card0% for 12 months3% transfer fee0% for 3 months

15.9%

£20 initial donation and 25p donations for every £100 spent on card
RBS Classic0% for 13 months2.9% transfer fee0% for 6 months

15.9%

Online retail discounts
Lloyds TSB Platinum0% for 14 months3% transfer fee0% for 3 months

15.9%

n/a
Capital One Platinum0% Until Sept 093% transfer fee0% Until Sept 09

12.9%

0% Until Sept 09
Tesco Bonus Credit Card0% for 13 months2.9% transfer fee0% for 3 months

15.9%

0% on selected Tesco purchases (12 mths)
Tesco Clubcard Credit Card0% for 13 months2.9% transfer fee0% 3 months -13 months Tesco Products

16.9%

0% on selected Tesco purchases (12 mths)
Post Office Platinum0% for 10 months2.75% transfer fee0% for 3 months

15.9%


What are Instant Decision Credit Cards?

Most credit card companies will provide you with an instant decision if you apply for a credit card online. You will need to have a blemish free credit record though.

What are the Benefits of Instant Decision Credit Cards?

Instant decision credit cards are ideal for those with busy lifestyles who don’t have the time to fill in endless forms. Online application forms are run from secure servers on a bank or building society's website, and are therefore safe from hacking and theft.

What else should I know about Instant Decision Credit Cards?


  • To successfully apply for an instant decision card you need to be over 18, on the electoral roll and in possession of a functioning bank account. A perfect credit rating is also vital.
  • You will additionally need to disclose details of your current address and previous addresses, place of employment, salary and financial status.
  • Applicants with poor credit histories would find an adverse credit card more suitable.

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