Instant Decision Credit Cards

Many providers will make an almost immediate decision and respond to an online application within minutes. But it's important to compare all the features of any instant decision credit card and check eligibility requirements before applying.


Balance Transfer Offer Purchase Offer Representative APR
Post Office Money Platinum
post office money platinum credit card
  • No fees on overseas purchases
  • 0% interest on balance transfers for 18 months, 2.89% balance transfer fee applies (made within 3 months of account opening)
  • 0% on purchases for the first 28 months
  • No cash fee on Travel Money at the Post Office with the Post Office Money Platinum Card
0% for
up to
18 months
(2.89% fee)
0% for
28 months
18.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR will be 18.9% APR (variable).
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.
AA Balance Transfer
aa balance transfer credit card
  • 0% balance transfers for up to 37 months made in the first 3 months after account opening (minimum £100)
  • 1.99% balance transfer fee applies
  • 0% on purchases for 3 months
  • The APR and introductory offer is dependent on your personal circumstances
0% for
up to
37 months
(1.99% fee)
0% for
3 months
18.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR will be 18.9% APR (variable).
AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
aqua classic
aqua classic credit card
  • Rebuild and strengthen a credit score
  • Suitable for past credit problems or new to credit
  • Free unlimited access to your credit report
  • The APR is dependent on your personal circumstances
Not offeredNot offered35.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 35.95% (variable) per annum, your representative APR will be 35.9% APR (variable).
aqua advance
aqua advance credit card
  • Credit limit will start between £250 - £1,200 and you could get an increase on your 4th statement
  • No non-sterling transaction fee on spending abroad
  • Rebuild and strengthen a credit score
  • Suitable for past credit problems or new to credit
  • The APR is dependent on your personal circumstances
Not offeredNot offered34.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) per annum, your representative APR will be 34.9% APR (variable).
AA Low Rate
aa low rate credit card
  • 5.85% p.a. (variable) on purchases and balance transfers
  • No balance transfer fee to pay
  • 0% on balance transfers for 3 months when made within first 3 months
  • No annual fee
  • The APR is dependent on your personal circumstances
0% for
up to
3 months
(No fee)
0% for
3 months
5.85% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 5.85% (variable) per annum, your representative APR will be 5.85% APR (variable).
AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
Post Office Money Matched
post office money matched credit card
  • 0% on purchases for the first 30 months
  • 0% on balance transfers for 30 months (If made within 3 months of account opening. A 2.75% fee applies)
  • No cash fee on Travel Money at the Post Office with the Post Office Money Matched Card
0% for
up to
30 months
(2.75% fee)
0% for
30 months
18.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR will be 18.9% APR (variable).
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.
marbles
marbles credit card
  • FastCheck your eligibility for an instant response before you apply
  • Start with an easy-to-manage credit limit from £100
  • Track transactions online and pick the payment date you want
Not offeredNot offered29.7% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 29.75% (variable) per annum, your representative APR will be 29.7% APR (variable).
AA Dual Credit Card
aa dual credit card credit card
  • 0% on balance transfers for up to 16 months made in the first 3 months after account opening
  • 2.89% balance transfer fee applies
  • 0% on purchases for up to 32 months
  • The APR is dependent on your personal circumstances
0% for
up to
16 months
(2.89% fee)
0% for
32 months
18.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR will be 18.9% APR (variable).
AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
aqua reward
aqua reward credit card
  • Earn 0.5% cashback on all purchases
  • No non-sterling transaction fee on spending abroad
  • Rebuild and strengthen a credit score
  • Suitable for past credit problems or new to credit
  • The APR is dependent on your personal circumstances
Not offeredNot offered34.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) per annum, your representative APR will be 34.9% APR (variable).
aqua start
aqua start credit card
  • Rebuild and strengthen a credit score
  • Suitable for past credit problems or new to credit
  • Initial credit limit between £100 and £300, with a possible credit increase after 4 months if the account is managed well
  • The APR is dependent on your personal circumstances
Not offeredNot offered49.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £300 at a purchase rate of 49.94% (variable) per annum, your representative APR will be 49.9% APR (variable).
Post Office Money Balance Transfer
post office money balance transfer credit card
  • 0% on balance transfers for up to 37 months (A 1.99% fee applies and balance transfers must be made within 3 months of account opening.)
  • 0% on purchases for the first 3 months
  • No cash fee on Travel Money at the Post Office with the Post Office Money Balance Transfer Card
0% for
up to
37 months
(1.99% fee)
0% for
3 months
18.9% APR
(variable)
APPLY ONLINE
Will you get this card?
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR will be 18.9% APR (variable).
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.

Choose Ltd is a credit broker. We do not charge any fees in relation to credit broking activities.
Choose is provided to you as a completely free service, however we may receive a commission from some of the companies we list.
Any calculations provided are intended as a general guide only for comparison purposes and should not be considered as an exact representation of what you will have to pay.


Finding the best instant decision credit card

What’s an instant decision credit card?

The majority of providers offer online credit card applications. Instant decision credit cards make applying even easier by approving or declining an application within minutes. The outcome is almost immediate because it’s based on a credit referencing agency score. But while the decision itself will be quick, a credit card will still need to be posted and sometimes there’ll be an agreement to sign.

Although they’re easy to apply for, it’s best not to make repeated application attempts if declined, as this will affect a credit score in the same way as repeatedly applying for a credit card in a bank. And the choice of credit card to apply for should be based on how appropriate the card is, not on how quick it is to apply. See our full guide here to instant decision credit cards for more details about how online applications work.

How to look for the best deal

Instant access credit cards tend to fall under two categories: high APRs and low credit limits for those who are new to credit or have little credit history; and lower APRs and higher limits for those with better credit history. Carefully reading any exclusions and features of a card before applying can help prevent being rejected for an unsuitable application.

It’s important to consider other features of a card to ensure it’s offering the best deal. Usually it’s better to have a low APR, but paying off a credit card in full before the end of each month can save paying any interest. If it’s unlikely this will be possible, it may be better to opt for a lower interest credit card or a different way of borrowing.

Aside from the APR and credit limit on an instant access credit card, other features to take into consideration include: if there is a balance transfer facility; any fees that could make the card less cost effective; and if it offers cashback rewards, points or discounts.

Getting an instant decision

An instant access credit card application will either be accepted, rejected or referred on for closer review. If it’s accepted an agreement will need to be signed before the credit card’s posted out. Some agreements can be signed online saving time by not having to wait for paperwork to arrive. If an application is declined, a provider may still get in touch to explain why it wasn’t successful.

In some cases, an application may be referred and a credit card provider will get in contact to ask for further information before proceeding with any decision. And some providers, particularly those offering instant access to people with poor credit history, will always speak with a customer before accepting an application.

Understanding credit card eligibility

Before applying for any instant decision credit card, it’s a good idea to read any exclusions. Making an application without understanding eligibility can cause unnecessary damage to credit history when an application is rejected. After applying, a credit check will be carried out by the provider and the application will be rated based on credit score.

How providers assess credit scores varies greatly and they’ll look at multiple factors to assess whether an applicant is too risky to accept. These can include: any missed payments on loans or credit cards; any bankruptcies; and if there are any County Court Judgements (CCJs). Some providers, for example those offering credit builder credit cards, won’t necessarily reject an application with credit history problems. But again, it’s vital to understand eligibility before applying.

Avoiding multiple credit applications

Instant decision credit cards are convenient as applications are quick and easy. But this shouldn’t lead to the temptation to apply for multiple cards in a short space of time. If rejected, multiple applications can be damaging to a credit history; other providers will be wary of lending to an applicant with a record of too many rejections.

Rather than make repeated applications, it may be worth getting a credit check to look for reasons why an application was rejected or to pinpoint credit history mistakes including incorrect addresses. In many cases credit reports can be accessed free of charge or for a small fee and will reflect better on a credit history than repeatedly applying and getting rejected.

Go back up to the credit card deals  

Other comparisons

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