Credit cards are notorious for having a very strict policy when it comes to applying and getting approved. In normal circumstances, it takes up to several days for you to prepare, apply, and get approved for a credit card, especially in the UK.
The fact that many of these credit cards take a while for you to get might seem like you will never be able to own one. On the other hand, there are also a lot of cards that offer instant approval but it does not mean that you can easily apply for one.
You will still be required to undergo the usual application process but the entire procedure and the approval process are much easier and faster. Here are the 7 credit cards with fast approval in the UK.
Capital One Classic Credit Card
Capital One Classic Credit Card is one of the most popular credit cards in the UK. It is meant for people who have suffered from low credit scores or those who want to build a strong foundation on their credit.
With this credit card, you can get a credit limit ranging from £200 to £1,500 depending on your credit score during the application.
Cardholders can also get at least two options to increase their credit scores every year as long as they can abide by their rules to increase their credit score.
With the Capital One Classic Credit Card, you don’t have to worry about missing your due dates as you will be setting up email notifications so you can always pay on time and nurture your credit score.
Interest Rates and Other Charges
With the Capital One Classic Credit Card, you can turn your bad credit score into a good and even excellent one. All you need to do is make your monthly minimum payment on time and stay below your credit limit as much as possible.
Cardholders can expect a representative APR of 34.9% which is quite high when compared to other credit cards but you only get a 2.53% monthly rate for purchases. The balance transfer fee and money transfer fee are at 3% of the total amount.
You can inquire through their customer service hotline at 03444 812 812 or their main office located at 100 Wood Street, London EC2V 7ER.
Aqua Classic Credit Card
If you’re looking for a good credit card that you can get in less than 60 seconds, look no further than the Aqua Classic Credit Card.
With this card, you gain access to a good credit limit depending on your credit score starting at £250 up to £1,200.
What’s great about this card is that you get instant approval without having any impact on your credit score. Many credit card applications lower the credit score of the applicant but with this card, you don’t have to worry about that.
You can also take advantage of the promotional interest-free period that the card offers to new cardholders.
Check Out the Rates and Other Features
Cardholders can expect to have a representative APR of around 34.9%. You can easily check your rates even before you apply with their free eligibility checker at the official website.
The Aqua Classic Credit Card also allows you to link your credit card to your digital wallet such as Google Pay and Apple Pay. You can then use your digital wallet to pay for your transactions or make purchases through your mobile device.
You can check out their main office located at 7 Handyside Street, London, N1C 4DA, or call their customer service at 0333 220 2691*.
Barclaycard Forward Card
If you’re looking to build your credit score but don’t put too much risk on increasing your debt, the Barclaycard Forward Card is the best option for you.
This fast-approval credit card shines the best for small spenders. With a credit limit starting from £50 up to £1,200, you can easily make purchases using the card and build your credit score without hurting your finances.
The card only requires you to pay a minimum of £5.
What’s More with the Barclaycard Forward Card
When you apply for the Barclaycard Forward Card, you immediately get approved and you will instantly know your credit limit. You also get a three-month interest-free period upon opening your account.
Your interest rate will start at around 33.9% which is lower than the two previous entries on the list. You can even reduce it by 3% if you make payments on time for the first year of opening the account.
You can contact them at 0333 200 9090 or visit their office at Barclaycard, 51 Saffron Road, Wigston, LE18 4GA.
Zopa Credit Card
Zopa Credit Card is primarily known as a cash builder card which helps you build a solid foundation on your credit score.
This is highly recommended for those who want to own their first credit card as it has some of the simplest features in any starter credit card.
The credit limit starts from £200 up to £1,500 and you can use the card anywhere abroad. This makes it the best starter credit card for those who also want to spend money on traveling.
Features and Benefits
What’s great about the Zopa Credit Card is that it has the Credit Cushion feature that lets you save your available credit balance for emergencies. The card does not have an annual fee and has a variable APR of 34.9%.
You may even be considered for a 24.9% APR if you already have a good credit score which also means you get approved much faster than others.
You can check out Zopa Credit Card at their office located on the 1st Floor, Cottons Centre, Tooley Street, London, SE1 2QG, or call them at 020 3770 5960.
Asda Money Select Credit Card
Asda Money Select Credit Card is another great fast-approval credit card that has the most to offer from any of the credit cards featured on this list.
There is no other credit card of this caliber that lets you earn cashback at a rate of 0.3% to 1%.
When you use the card for shopping, you earn cashback and you get even more when you spend using the card for the first 90 days of approval.
You even get an interest-free period of 56 days when you pay your balance in full and on time.
Learn More About the Asda Money Select Credit Card
The Asda Money Select Credit Card might have a higher APR of 34.9% to 43.4% but if you’re careful with your expenses, you can easily get cashback and have 56 days of no interest.
Your credit limit starts at £250 up to £5,000 and you don’t even need to pay an annual fee to maintain the card.
If you have more inquiries, you can call them at 0800 260 0355 or visit their main office located at 27 Old Gloucester St, Holborn, London, WC1N 3AX).
HSBC Classic Credit Card
If you’re looking for a credit card that has fast approval and a built-in name, the HSBC Classic Credit Card is your optimal choice.
It is a credit card for those who want to build their credit score depending on your financial situation. You can start with a credit limit of £1,000 with an interest rate starting at 29.9% variable APR.
To apply for the card, you can call their customer service number for assistance at 03457 404 404 or visit their main office located at Level 2, 20 St Thomas St, London, SE1 9RG.
More Features to Discover
You can manage your HSBC Classic Credit Card with the help of the HSBC mobile banking app. Stay in total control over your account, make payments, check transaction history and many more.
You also get benefits such as discounts on shopping, eating out, or traveling when you use a credit card.
You just need to be an HSBC member and must have an annual income of £6,800 or more before tax to qualify for the card.
Vanquis Bank Chrome Credit Card
The Vanquis Bank Chrome Credit Card has one of the lowest interest rates for a credit card that has a very fast approval process.
You get a credit balance ranging from £500 up to £1,500 and you get to enjoy an interest-free period lasting 56 days upon opening your account.
Your account is reviewed every five months and if you’re able to pay your balance on time, you will get an increase in your credit limit.
What are the Rates?
The most common interest rate for the Vanquis Bank Chrome Credit Card is around 29.5% APR but you can go as low as 26.5% APR depending on your credit score.
The card only requires you to pay at least £10 for minimum payment making it very convenient for anyone with a bad credit rating.
If you have more inquiries, don’t forget to call them at 0330 099 3000* or visit their office located at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU.
Conclusion
These credit cards have the simplest application process and if you’re struggling to correct your credit score, now is the time for you to apply for one of these highly recommended credit cards in the UK. You can check out all the information for each credit card at their respected official website.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
