Instant decision credit cards

Looking for an instant decision credit card? Compare the UK's leading credit card providers online today and get an instant decision.

Capital One Classic Credit Card - Apply now and get a response in 60 seconds
	Great card if you want to rebuild your credit history Credit limit increase after 4 months if account is managed responsibly Includes free identity theft protection	More info

Instant decision credit card

Company	Package Name	Balance Transfer Rate & Period	Balance Transfer Notes	Introductory Purchases Rate & Period	Standard % APR (Variable)	Reward Notes	Instant Online Decision
	Capital One Classic Card	n/a	n/a	n/a	34.9%	Free identity theft service
Get up to £2,500 credit and if you manage your account well Capital One will increase your credit limit on your 4th statement. Conditions apply.
	Barclaycard Platinum	0% for 16 months	2.9% transfer fee	0% for 3 months	16.9%	Identity Protection Service
	Post Office Credit Card	0% for 12 months	2.98% transfer fee	0% for 3 months	16.9%
	MBNA Platinum Reward	0% for 13 months	2.9% transfer fee	0% for 3 months	16.9%	MBNA reward points

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Credit card search 0% balance transfer 0% purchase cards Reward credit cards Cashback credit cards Airmiles credit cards Adverse credit cards

Related guides Read our latest credit card consumer guides. Explaining credit card terms and conditions Credit card fraud – A guide to protecting yourself 10 things you should know about taking out a credit card

Our expert says... Our finance expert gives his top tips when applying for credit cards. Always read the terms and conditions carefully before you apply for any credit card. Applying for multiple credit cards at the same time may negatively affect your credit rating. You can improve a poor credit rating by using an adverse credit card sensibly.

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.