tickComparing UK 0% credit cards online since 2002
tickEvery 0% credit card currently available online
tick0% credit card deals and offers are updated daily

Instant Decision Credit Cards

Instant decision credit cards provide a customer with an instant decision, on whether they have been accepted or declined, for the card. The decision, for that particular credit card, is available at the end of the online application process.

Instant Decision Credit Cards

Most UK customers, when applying for a new credit card, now apply online. As a result these customers, very often prefer to know immediately, whether their credit card application has been, either accepted or declined.

Instant decision credit cards are now much more common, than they were many years ago.

All of the UK credit card companies and banks have now updated their computer systems for online credit card applications. These new systems can now accommodate the increasing number of credit card applications being made online.

Instant Approval Credit Cards

Some instant approval credit cards, although not yet all of them, can also complete all of the required paperwork online. This makes the application process, both easier and also faster, for both the customer and the issuing credit card company.

This process, for these instant approval credit cards, does allow the customer to receive their new credit card faster. These credit cards with instant approval, are generally more popular with UK card customers.

There are however, a few card companies that still require the customer to wait to receive the paperwork from the card company, then sign and return that paperwork. Only after this, will the customer then receive their new credit card.

Instant Credit Card UK

With an instant credit card in the UK, customers can now get a fast online decision. This can be within a minute or two, of the customer completing the application form.

Due to the current Coronavirus pandemic, many UK credit card companies have reduced staffing levels. As a result, this may lead to delays in the approval process. This may also lead to delays in delivering new cards to customers, even for an instant credit card.

Currently not all UK 0% credit cards are available with an instant approval online. Some card companies can not provide an instant approval for credit cards late at night, or at weekends, for example.

However, all of the following featured 0% credit cards are instant decision credit cards. These cards can offer the customer an instant online decision at the end of the application process.


0% Credit Card Expert may receive commissions from some of the credit card companies that we refer users to. How this site works.

0% Credit Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

HSBC Balance Transfer*
  • 0% interest for 29 months on balance transfers made within first 60 days of account opening
  • 2.75% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Transfer Plus*
  • 0% for 29 months on balance transfers made within 90 days of account opening
  • 2.75% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for up to 24 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
34.9% APR (variable)

Credit Card Details

Capital One Balance Transfer
  • 0% on balance transfers for up to 18 months
  • 3% balance transfer fee
  • 0% on purchases for 3 months
  • Credit limit up to £86000
  • Online account management
  • Annual Fee: None

Application Criteria

Capital One Balance Transfer
  • You are a UK resident
  • You have had credit cards in the past
  • You are a home owner
  • You have an income of more than £20,000 per year
  • You are aged 18 or over
Representative Example: 34.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 34.94% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 22 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 22 months
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Shopping Plus*
  • 0% for 22 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 22 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Shopping Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 18 months
Representative APR:
22.9% APR (variable)

Credit Card Details

HSBC Purchase Plus*
  • 0% interest for 18 months on balance transfers made within first 60 days of account opening
  • 2.9% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 18 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Purchase Plus*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

Credit Card Instant Approval?

How does a card company make their decision for a customer applying for a credit card with instant approval?

The credit card companies use a process called credit scoring to help them make a decision online. This credit scoring happens after the customer completes the credit card’s online application form.

To score the application, the card company uses the information supplied by the customer on the application form. The card company will also use the information held by a credit reference agency about the customer, to make their decision. In order to be accepted for that instant decision credit card, you will need to pass that credit card company’s criteria.

All credit card companies score customers differently. However, all of the card companies use mostly the same type of information, when making their decision. This information includes a customer’s address details, employment history, salary and their past use of credit.

Occasionally, even with instant decision credit cards, the credit card company maybe unable to make an instant online decision. In these cases, the card company may then refer the application.

With a referred application, a credit analyst will look at the customer’s application in more detail. In order to make a decision. The credit analyst may need to request more information from the customer. This information may also be used to determine the size of the customer’s credit limit. A credit card with a 5000 limit, or a 10k credit card limit, for example.

Quick Credit Card Delivery

Many of the leading UK credit card companies, including the M&S 0% credit card, can now offer a quick credit card delivery after a successful online application.

How long does it take to get a credit card? Most UK credit card companies say to allow around 7 or more working days to receive a new 0% credit card. However, very often a customer will receive a quick credit card delivery. Customers can now often expect their new card within 3 to 5 days, after completing the application process.

However, this time may increase during a bank holiday period, for example. Delivery may also take longer if there are delays within the postal system. These delays can be due to bad weather or industrial action, for example.

Instant decision credit cards are currently available in the UK, using both the MasterCard and Visa payment networks.


Related Content From 0% Credit Card Expert:-


Published: September 29, 2021, Updated: September 29, 2021 by 0% Credit Card Expert

All 0% credit card deals and offers on this website are updated daily