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Compare instant decision credit cards

Get an instant decision on a credit card today

  • Search cards you’re likely to get
  • Won’t damage your credit score
  • Get a decision in minutes

Compare instant decision cards from across the market

MoneySuperMarket works with a range of household-name credit card providers, including

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What is an instant approval credit card?

When you apply for a credit card through MoneySuperMarket you’ll usually know within minutes of finishing the application whether or not you’ve been accepted. This can give you quick access to credit - or the option to apply for a different card should you be declined. 

Most credit cards are available online so applying is quick and easy - and lender decisions can be rapid. The chance you’ll be accepted for a card will depend on the strength of your credit score: the better your history of borrowing and repaying your debts the more likely you are to be approved for a card with a lower APR and a higher credit limit. 

In some cases, you might be referred for a decision. This means you’ll have to wait a few days while the credit card issuer takes a closer look at your borrowing history. But if you’re rejected, don’t be dismayed – you may still be eligible for other cards.

Build better credit with this Aqua credit card

Know where you stand with a pre-approved credit card

Our Eligibility Checker shows you the credit cards you're most likely to be accepted for, protecting your credit by showing you only the cards that are right for you.

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Accurate results

We’ll ask you a set of questions to rate your chance of aprroval out of a score of 10 for each card 

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Apply with confidence

You’ll be shown you your eligibility before you apply, so you know if you have a high chance of acceptance

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Guaranteed rates

You’ll see which cards you’re most likely to get so you won’t have any nasty surprises down the line

What do I need to get a decision on a credit card?

It’s easy to apply for a credit card in the UK, but you’ll need to provide a few personal details and there are also certain eligibility criteria you’ll have to meet.

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    Aged 18 or over

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    A resident of the UK

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    Earn above £7,500

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    Address History

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    Date of birth

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Which credit cards give you instant approval? 

With so many types of credit card on the market – and so many deals and options to suit such a diverse range of potential applicants – it can be hard to know which cards are likely to offer an instant decision.

Unless your credit score is in excellent shape, you’re only likely to get an instant decision on credit cards with wider eligibility criteria, such as credit-builder credit cards.

MoneySuperMarket’s free credit card eligibility checker tool is an excellent way to work out how likely you are to get instant acceptance on a particular card – without harming your credit score.

Improve your chances of getting an instant decision

Your credit score is the single biggest factor that determines what type of credit card you’re offered. Don’t worry if your credit score isn’t where you want it, there are plenty of things you can do to improve it, including:

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Register for the electoral roll


Pay your bills on time


Reduce outstanding debts


Don't make lots of credit applications

How to get an instant decision on credit cards with MoneySuperMarket

If you feel that an instant decision card could be right for you, the next step is to use the MoneySuperMarket Eligibility Checker to see what cards are available – and which are most likely to approve you.


Tell us about yourself

We’ll ask you a handful of simple questions about you and your financial circumstances, and what you need from a credit card


We browse the market

We’ll sift through dozens of credit card offers from across the market, and then show you the cards we think will suit you best

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Pick the card you want

You’ll be shown a range of credit cards, which you’ll then be able to sort according to APR, features and your chances of being approved

Once you’ve been approved, credit cards usually take between seven and 10 days to arrive.

You can speed up the process by applying for a credit card online rather than through the post. But once you’ve been approved there’s nothing you can do other than wait for your credit card to arrive. 

It’s a good idea to check your credit file before applying for a card. This way you can correct any mistakes on your file, which could affect or delay your application.

Approval for any credit card ultimately depends on your credit rating, and there’s no credit card that’s guaranteed to approve any applicant. However, the eligibility criteria for bad-credit credit cards are a lot wider, so this might be your best option if your credit history isn’t perfect.

A rejection can harm your credit score. When you apply for a credit card the lender performs a ‘hard search’ on your credit file and this ‘footprint’ can reduce your score. This could make it more difficult to be accepted if you then go on to apply for another card.

You cannot use your new credit card until it arrives.

You cannot get a credit card without the lender performing a check on your credit file and score..

APR stands for Annual Percentage Rate and it represents how much it’ll cost to borrow money on a particular credit card. It’s calculated by taking into account:

  • Your interest rate
  • Additional fees and charges.

However, you might see the term ‘representative APR’ on adverts for credit cards – this means that the interest rate quoted only has to be offered to at least 51% of successful applicants, so it may not be the actual rate you get when you apply.

Credit card providers can change interest rates at any time, so it’s always a good idea to stay on top of your credit balance. If you have a 0% offer on your credit card, this will only be for a set number of months so you should make sure you clear your balance before it ends, or transfer your remaining balance to another 0% card.

You can apply for credit cards online, either using MoneySuperMarket or going directly to the provider, or by calling them up or through the post. You can also stop by your bank or building society branch and apply in person.

First consider what you want to use the credit card for – cards come with different features that are useful for different purposes.

If you have a large purchase coming up, you might want to spread the cost with a 0% purchase card, if you fly a lot you might want an airmiles card, and if you want to transfer a balance to avoid interest payments, a balance transfer card could be ideal.

By comparing on MoneySuperMarket, you’ll be able to see a list of credit cards, so you can browse at will and choose which one suits you best.

You’ll get a cooling off period of two weeks from when you receive your card, and you’ll have 30 days to pay off your balance. You can cancel by contacting your provider, either by post, phone, online, or in-branch.

However, if you want to cancel your credit card after the cooling off period, your account balance generally must be zero.

Your credit score is a number that represents your creditworthiness to credit lenders, based on an analysis of your credit history (your history of borrowing and paying back credit).

The higher your score, the more likely you are to be accepted for future credit applications. If your score is low, there are ways to improve it. MoneySuperMarket’s Credit Monitor lets you check your credit score for free and gives you tips on how to improve it.

A soft credit search is a way of finding out which credit cards you’re most likely to be accepted for without your credit score being affected. This is usually done via a website such as MoneySuperMarket.

A hard search on your credit report is a mark left by a lender who has assessed your credit rating after you have applied for a credit card. Too many hard searches (often through multiple applications) may make lenders think you are desperate for credit so it’s best to limit your applications for credit in a short space of time.

If you have a bad credit rating or you don’t have a credit history because you’ve never borrowed before, you might not qualify for the very best credit card deals. However, some credit cards are designed specifically for those who need to build up their credit score. Just be aware they often come with low credit limits and high interest rates.

However, if you use this type of card sensibly and always pay off your balance in full, you can improve your credit score so you’ll eventually be eligible for better credit cards.

If you miss a repayment on your credit card balance, you likely have to pay a penalty fee. What’s more, if you have any type of promotional offer with your card, such as an interest-free deal, this may be cancelled, and a missed payment may have a negative effect on your credit score.

If you get rejected for a credit card, this will leave a mark on your credit report and could lead to further rejections in the future. It’s a good idea to use MoneySuperMarket’s Eligibility Checker to see how likely you are to be accepted for a card before applying to get it, and it won’t affect your credit score.

You might be able to get more credit from your provider if you prove yourself to be a responsible borrower by repaying on time and never missing payments. Once you’ve established a good credit history, you might be successful when asking for a higher credit limit.

Unlike many loans and mortgages, you generally won’t be charged for making early repayments on your credit card – which means it’s a good way to get ahead of your balance.

You can’t get joint credit cards in the same way as bank accounts and mortgages, but you can add additional users to your own credit cards. However, you should remember that it’s still the primary cardholder’s responsibility to pay off the balance.

The Consumer Credit Act was established in 1974, and under Section 75 the credit card lender is jointly responsible with the retailer or supplier for any goods or services you purchase with your credit card.

This means if those products are faulty, or if there was any contract breach or misrepresentation on the retailer’s part, you can claim from your credit card company as well as the retailer.

However, you can’t recover money from both sides, so it’s useful for when the retailer has gone bust or they won’t respond to your communication. You should be aware the purchase value must be more than £100 and not more than £30,000 for you to be able to claim.

You can cancel your credit card by contacting your lender, by phone, email, online, post, or in person if they have a local branch.