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Check your eligibility for credit cards

  1. Improve your chances of being accepted
  2. It won't affect your credit score
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HSBC Dual Credit Card

HSBC Dual Credit Card

HSBC Dual Credit Card

  • 26 months on balance transfers and purchases
  • £5 minimum balance transfer fee or 2.89%
22.9% APR
Representative (variable)
26
 months
0% interest on transfers
26
 months
0% interest on purchases
More info
Can I get this card?
?
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.

Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
Virgin Money No Balance Transfer Fee Credit Card

Virgin Money No Balance Transfer Fee Credit Card

Virgin Money No Balance Transfer Fee Credit Card

  • 0% balance transfer fee in first 60 days, 5% thereafter
  • 24 months 0% for money transfers (4% fee in first 60 days, 5% thereafter)
  • 3 months 0% on purchases
19.9% APR
Representative (variable)
24
 months
0% interest on transfers
3
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Tesco Bank 24 Month Clubcard Credit Card with 0% Balance Transfer Fee

Tesco Bank 24 Month Clubcard Credit Card with 0% Balance Transfer Fee

Tesco Bank 24 Month Clubcard Credit Card with 0% Balance Transfer Fee

  • 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
18.9% APR
Representative (variable)
24
 months
0% interest on transfers
More info
Can I get this card?
?
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.

Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable)
MBNA Platinum 32 Month Credit Card

MBNA Platinum 32 Month Credit Card

MBNA Platinum 32 Month Credit Card

  • Up to 32 months 0% on balance transfers (0.55% 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
19.9% APR
Representative (variable)
32
 months
0% interest on transfers
More info
Can I get this card?
?
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
  • no balance transfers between MBNA accounts

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
MBNA Platinum 38 Month Credit Card

MBNA Platinum 38 Month Credit Card

MBNA Platinum 38 Month Credit Card

  • Up to 38 months 0% on balance transfers (1.44% 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
19.9% APR
Representative (variable)
38
 months
0% interest on transfers
More info
Can I get this card?
?
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
  • no balance transfers between MBNA accounts

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
ASDA Cashback Credit Card

ASDA Cashback Credit Card

ASDA Cashback Credit Card

  • 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
  • 0.5% Cashback on all other purchases in the form of ASDA vouchers
19.9% APR
Representative (variable)
12
 months
0% interest on transfers
More info
Can I get this card?
?
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.

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
British Airways American Express® Credit Card

British Airways American Express® Credit Card

2017 award winner

British Airways American Express® Credit Card

  • 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
22.9% APR
Representative (variable)
More info
Can I get this card?
?
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.

Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
Chrome 24.7% Credit Card

Chrome 24.7% Credit Card

uSwitch exclusive

Chrome 24.7% Credit Card

  • £20 voucher for either Argos, Debenhams or Currys PC World exclusively through uSwitch. Offer ends 30 November 2017, terms apply
  • Possibility to build Credit Limit up to £4000 over time
  • Online servicing, mobile app, SMS and email alerts
24.7% APR
Representative (variable)
More info
Can I get this card?
?
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.

Representative example: When you spend £1,000 at a rate of 24.7% (variable) per annum, your representative APR is 24.7% APR (variable)
American Express Nectar Credit Card

American Express Nectar Credit Card

2017 award winner

American Express Nectar Credit Card

  • 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)
28.2% APR
Representative (variable)
More info
Can I get this card?
?
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.

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)
Capital One Balance Transfer Card

Capital One Balance Transfer Card

Capital One Balance Transfer Card

  • 0% interest on balance transfers for 6 months, with a balance transfer fee of 3%
  • Credit limit of £200 to £1,500
  • Online response in 60 seconds
34.9% APR
Representative (variable)
6
 months
0% interest on transfers
More info
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • not been declared bankrupt in the last 12 months
  • not had any CCJs or defaults in the last 12 months
  • no transfers from Capital One

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your representative APR is 34.9% APR (variable)

uSwitch Limited is a credit broker, not a lender, for consumer credit products.

uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.

Frequently asked questions

What are instant decision credit cards?

An instant decision credit card lets you know whether you have been accepted or not as soon as you have finished your application, so you don’t have to wait to see if you have access to credit.

Are they different to standard credit cards?

Whilst most credit cards can be quickly applied for online, in many cases after making an application it can take a card provider a few days to a week to get in touch within with the outcome of the application.

An instant decision credit card typically gives you an answer in as little as 60 seconds as to whether or not you’ve been successful.

How do instant decision credit cards work?

After submitting your application online there are three possible decisions that will be made; you will either be declined, referred or accepted.

This will be decided by using a credit referencing agency to give a score. These agencies have information on your borrowing, repayments history and ‘stability’ information (eg whether you’re on the electoral roll and how often you change address).

Your score will be compared against the credit card’s criteria, if your credit score is good and matches the criteria you’ll be instantly accepted. If your credit score is poor you’re likely instantly declined, but most credit card providers will at least get in touch to explain why your application was declined.

If you have been referred, your application was too close to make an automatic judgement on and is under closer review by the credit card provider. They may request for additional information from you to complete the application process.

How long will it take to receive an instant decision credit card?

Upon being accepted you will still need to wait for confirmation or for the card to arrive by post.

You may need to confirm the application by signing an agreement and posting it back before you card is issued. However, many companies now use electronic signing for online applications.

Are instant decision credit cards only for those with good credit?

There are instant decision cards available for those with bad credit, though these typically come with higher APRs and lower credit limits. The better your credit rating the better the offers you’ll be able to get on your credit card.

If you don't think you can clear your balance at the end of each month a low APR credit card may be more suitable.

Does getting instant decision matter?

Whilst instant decision credit cards can keep the hassle of applying for a card to a minimum, it’s shouldn’t be the only criteria you consider before making an application.

Make sure to examine all the features of the card to see if it’s offering the benefits and rewards you want, and you’ll be paying the best APR.

Also beware that too many applications as this can damage your credit rating. If you’ve been rejected rather than applying again it could be worth getting a credit report to see why you’ve been declined.

Many credit-card providers have online pre-application checks. Unlike with your actual credit card application this is a ‘soft-footprint’ credit check, which won’t be recorded on your credit history. However, this might not exactly match your credit score but it should give you a rough idea whether you’ll be accepted or not.

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.