Applying for a credit card is usually done online these days. When applying online, it’s a good idea to use eligibility checking tools like those found through our partners at Uswitch. You'll get quick results - usually within a few minutes - and even be pre-approved for certain credit cards.
Pre-approval dramatically reduces your chances of rejection, but it’s not an absolute guarantee. When you apply for a pre-approved deal, the lender will carry out its own checks, including a hard credit check and your application could fail at this point.
Some providers may advertise ‘instant approval credit cards’ but you're never guaranteed instant approval.”
Those with bad credit could consider a bad credit credit card, or a credit builder card. These cards are easier to be accepted for, so you’re more likely to be pre-approved and get a quick decision.
In this case, you can opt for some of the best credit card deals in the market, as you're likely to be pre-approved for most of them. This applies whether you want to earn rewards, get a long 0% interest period for purchases or do an interest free balance transfer.
If you need access to credit urgently, a credit card may not be the best option, because even with an instant decision, it can take up to a week to receive the actual card.
In this case, a personal loan may be a better option. With some lenders, you may be able to apply and receive the funds on the same day, assuming your application is accepted.
The quickest cards to get are typically cards that have less restrictive eligibility criteria. With that in mind, most people - even those with bad credit - are more likely to be pre-approved for bad credit credit cards or credit builder cards.
The best way to find out which cards you'll be accepted for is to check your eligibility with our partners at Uswitch, which will match you with the cards that you're most likely to get. It uses a “soft search” credit check, which won't affect your credit score, and gives you a list of cards you could apply for based on your likelihood of approval.
If you're looking for a credit card with the best chance of being pre-approved, your most likely option would be cards that have more lenient eligibility requirements.
In most cases, these will be cards that cater to people with lower credit scores or limited credit histories, such as bad credit credit cards, or credit builder cards.
These cards typically have low credit limits and high interest rates. It's always a good idea to use an eligibility tool like those found through our partners at Uswitch, which will find you any cards you're pre-approved for.
Yes, you can speed things up by applying for a card that offers an instant decision, check your credit record is accurate and complete the application form carefully.
Yes, your credit history matters as looking at it helps lenders decide whether to accept you as well as what APR and credit limit they offer you.
You will find out if you've been accepted after you apply, but here’s how to boost your chances of approval and how to pick a card more likely to accept you.
You will be told your credit limit after you have applied. Providers confirm it when they accept your application or when they send your card.
Below you can find a list of our most popular credit cards:
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