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Compare instant decision credit cards

An instant decision credit card can give you quick access to credit. Many instant decision cards offer a 'soft footprint' credit check. Compare cards from from nine companies below.

Check your eligibility for credit cards

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  2. It won't affect your credit score
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Tesco Bank 22 Month No Balance Transfer Fee Credit Card
Tesco Bank 22 Month No Balance Transfer Fee Credit Card
18.9% APR
Representative APR (variable)
22 months
0% interest on balance transfers
-
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable)
Card details
  • The 0% offer applies to any balances transferred within the first 90 days of opening your account
  • Earn Tesco Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • Online application decision in 60 seconds
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards
Additional criteria for acceptance from the lender may apply.
nuba transfer credit card
nuba transfer credit card
19.9% APR
Representative APR (variable)
36 months
0% interest on balance transfers
-
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • Up to 36 months 0% on balance transfers (2.5% fee) in first 60 days, 21.9% p.a. and 5% fee thereafter
  • Up to 20 months 0% on money transfers (4% fee) in first 60 days, 23.9% p.a. and 5% fee thereafter
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • hold a UK bank or building society account
  • have a good credit history
  • eligibility check - see if you qualify without affecting your credit rating. Depending on the results, product details may vary
  • cannot transfer from MBNA accounts
Additional criteria for acceptance from the lender may apply.
HSBC Dual Credit Card
HSBC Dual Credit Card
22.9% APR
Representative APR (variable)
26 months
0% interest on balance transfers
26 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
Card details
  • 26 months on balance transfers and purchases
  • £5 minimum balance transfer fee or 2.89%
To get this card you must at least:
  • Have an annual income/pension before tax of £8,500 or more
  • Be a resident of the UK, Channel Islands or Isle of Man
  • Be over 18, and not hold an HSBC Basic Bank Account
Additional criteria for acceptance from the lender may apply.
MBNA Platinum 32 Month Credit Card
MBNA Platinum 32 Month Credit Card
19.9% APR
Representative APR (variable)
32 months
0% interest on balance transfers
-
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • Up to 32 months 0% on balance transfers (1.15% fee) in first 60 days, 21.9% p.a. and 5% fee thereafter
  • Up to 24 months 0% on money transfers (4% fee) in first 60 days, 23.9% p.a. and 5% fee thereafter
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • hold a UK bank or building society account
  • have a good credit history
  • eligibility check - see if you qualify without affecting your credit rating. Depending on the results, product details may vary
  • cannot transfer from MBNA accounts
Additional criteria for acceptance from the lender may apply.
Chrome 24.7% Credit Card
Chrome 24.7% Credit Card
24.7% APR
Representative APR (variable)
-
0% interest on balance transfers
-
0% interest on purchases
More info
Representative example: When you spend £1,000 at a rate of 24.7% (variable) per annum, your representative APR is 24.7% APR (variable)
Card details
  • Possibility to build Credit Limit up to £4000 over time
  • Online servicing, mobile app, SMS and email alerts
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank
Additional criteria for acceptance from the lender may apply.
MBNA Platinum 36 Month Credit Card
MBNA Platinum 36 Month Credit Card
19.9% APR
Representative APR (variable)
36 months
0% interest on balance transfers
-
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • Up to 36 months 0% on balance transfers (1.99% fee) in first 60 days, 21.9% p.a. and 5% fee thereafter
  • Up to 20 months 0% on money transfers (4% fee) in first 60 days, 23.9% p.a. and 5% fee thereafter
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • hold a UK bank or building society account
  • have a good credit history
  • eligibility check - see if you qualify without affecting your credit rating. Depending on the results, product details may vary
  • cannot transfer from MBNA accounts
Additional criteria for acceptance from the lender may apply.
British Airways American Express® Premium Plus Credit Card
2017 award winner
British Airways American Express® Premium Plus Credit Card
2017 award winner
76% APR
Representative APR (variable)
-
0% interest on balance transfers
-
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, with a £195 annual fee, your representative APR is 76.0% APR (variable)
Card details
  • 25,000 bonus Avios when spending £3,000 within the first 3 months
  • 1.5 Avios for every £1 spent; 3 Avios for every £1 spent directly with British Airways
  • Companion voucher when you spend £10000 in one year
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
Additional criteria for acceptance from the lender may apply.
American Express Nectar Credit Card
2017 award winner
American Express Nectar Credit Card
2017 award winner
28.2% APR
Representative APR (variable)
-
0% interest on balance transfers
-
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, with a £25 annual fee, your representative APR is 28.2% APR (variable)
Card details
  • 20,000 Nectar points (worth £100) welcome offer to spend with Nectar partners
  • Up to 4 points per £1 with Nectar partners, 2 points per £1 spent elsewhere
  • First year of card membership with £0 annual fee £25 thereafter (T&Cs apply)
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
Additional criteria for acceptance from the lender may apply.
ASDA Cashback Credit Card
ASDA Cashback Credit Card
19.9% APR
Representative APR (variable)
12 months
0% interest on balance transfers
-
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 0% for 6 months on all George.com purchases of £200 or more
  • 1% Cashback on all Asda spend in the form of ASDA vouchers
  • 0.2% Cashback on all other purchases in the form of ASDA vouchers
To get this card you must at least:
  • be aged 18 or over
  • not have County Court Judgements or Court Decrees, or be bankrupt or otherwise insolvent.
  • have a minimum annual income of £10,000 and not be claiming unemployment benefits
Additional criteria for acceptance from the lender may apply.
British Airways American Express® Credit Card
2017 award winner
British Airways American Express® Credit Card
2017 award winner
22.9% APR
Representative APR (variable)
-
0% interest on balance transfers
-
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
Card details
  • 5,000 bonus Avios when spending £1,000 within the first 3 months
  • Companion voucher when you spend £20,000 in one year
  • 1 Avios point for every £1 spent
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • have an annual household Income of £20,000
  • have a permanent UK home address
  • have no County Court Judgements
  • have been trading for 6 months if self-employed
Additional criteria for acceptance from the lender may apply.

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Frequently asked questions

Does uSwitch compare all the credit cards on the market?

We compare credit over 100 credit cards from all of the major banks and credit card providers.

However, we do not compare all the credit cards that are available in the UK.

This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through uSwitch.

There are also many credit cards that are only available to people in member organisations and clubs.

What does it mean if a card is listed as an “advertisement” or “promotion”?

We sometimes receive payment from card providers to display their cards in prominent locations.

These are adverts and are designed to be distinct and separate from the other cards on our comparison tables. We hope this makes it clear which cards are top-of-table deals and which cards are paid for promotions.

Learn more from our Credit Card Guides