Credit cards provide consumers access to increased purchasing power, allow them to build credit and establish creditworthiness over time, and can provide financial assistance in times of need.
Because of this, having reliable credit cards with easy approvals and quick decisions has become more imperative than ever. With these types of financial products, consumers get the peace of mind they deserve knowing they qualify and are approved for their desired credit product.
Here are five credit cards in the United Kingdom that provide fast and easy approvals. These cards are worthy to be checked out today.
- Sainsbury’s Bank Balance Transfer Credit Card
- Vanquis Instant Decision Credit Card
- Santander All in One Credit Card
- MBNA Balance Transfer and Purchase Credit Card
- Barclaycard Platinum Balance Transfer Credit Card
Sainsbury’s Bank Balance Transfer Credit Card
The Balance Transfer Credit Card from Sainsbury’s Bank aims to help users improve their creditworthiness by allowing them to make balance transfers from one card to another, making for easier consolidated payments.
One of the benefits that this card offers is 0% interest on balance transfers for up to 29 months. The bank may also extend a 0% interest-free period for 21 or 25 months. Users can enjoy 0% interest on purchases within 3 months of opening their account.
There is no annual fee for this credit card. New users can earn up to 7,500 bonus Nectar points in the first two months, provided they spend £35 or more to gain 750 bonus points each. Other rewards include earning 3 points for every £1 spent at Sainsbury’s, Argos, Habitat, or Tu Clothing. For all other spends, each £5 spent will gain 1 Nectar point.
Applicants should bear in mind that the interest rate, promotional period, and credit limit varies on a customer’s creditworthiness. This card has an assumed credit limit of £1,200 and a representative APR of 21.9%.
How to Apply
Applicants may apply online through the application form found on the website. Applicants must be 18 or over and provide personal details such as full name and employment information. They must have an annual income of at least £10,000, reside in the UK, and have good credit standing.
Other fees include a cash advance charge of 3% (minimum of £3), balance transfer charges of 3% to 4% (minimum of £3), and foreign usage charge of 2.75% for non-Sterling transactions. Meanwhile, late payments and over-limit charges are both valued at £12 each.
For more information, users can reach out to Sainsbury’s bank at 33 Holborn, London EC1N 2HT or call the bank at 08085-40-50-60. Disclaimer: There may be risks involved when applying for a credit card. To know more about this, visit the bank’s Terms and Conditions page.
Vanquis Instant Decision Credit Card
What makes the Vanquis Instant Decision Credit Card is that it allows applicants to gain immediate insight on whether or not they’ll be approved for their desired credit card. Powered by Visa, this card gives an initial decision based on what the lender finds on the applicant’s background.
Depending on the approval standard and the creditworthiness of the applicant, users can get a £150 to £1,500 credit limit with a representative 39.9% variable APR. Users can get a credit card limit increase after getting their 5th credit card statement, allowing them to get up to £4,000 worth of credit limit in total.
After individuals apply, they receive the bank’s decision within 28 days. Those approved will receive their card within 10 to 14 days. For those who want to get an instant decision and know if they will be approved, they can easily check their eligibility on the website.
Apart from the favorable 39.9% variable APR, cardholders will also be required to pay 3% on cash advances, 2.99% on foreign purchases and cash transactions, and £12 each for late-payments and over-limit fees. There is no annual fee for this credit card.
How to Apply
Those eligible to apply for a Vanquis Instant Decision Credit Card are UK residents aged 18 and up. Interested parties must also bear a good credit score. Before applying, users must check the bank’s eligibility checker found online.
The eligibility checker will require applicants to provide their name, address, and contact details, among others. Employment information should also be provided. For those who want more information and need further aid on this credit card, they can easily contact Vanquis Bank at the customer service line at 0330-099-3000.
They can also visit the bank at its head office at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Disclaimer: There may be risks involved when applying for a credit card. To know more about this, visit the bank’s Terms and Conditions page.
Santander All in One Credit Card
The Santander All in One Credit Card is yet another great offering that allows applicants to see whether or not they’ll be accepted prior to applying. This is done with the help of the eligibility checker found on the website which requires individuals to provide personal and employment details.
As its name states, this credit card is designed to address a variety of needs for an extensive range of users. It offers 0% interest on balance transfers for 26 months, 0% interest on purchases, and 0.5% cashback on all purchases, giving cardholders a multitude of benefits.
In addition, this credit card also gives back generously to users by letting them earn up to 15% cashback with retailer offers. Cardholders can get all of these and more with just a monthly fee of £3 or an annual fee of £36. For this fee, individuals can get a variable representative APR of 23.7% and an assumed credit limit of £1,200.
Other fees include balance transfer fees of 3% (minimum of £5), cash transaction charges of 3% (minimum of £3), and over-limit fees and late payment fees of £12 each. There are no foreign transaction fees, provided the fees are made in the local currency.
How to Apply
Those eligible for the Santander All in One Credit Card must be individuals aged 18 and up. They must be living in the UK permanently and hold a minimum annual income of £7,500 and have a good credit standing.
The eligibility checker will allow users to gauge their acceptance and easy approvals online. Should applicants remain confident in their standing, they can proceed by applying online by providing their personal details, employment information, and financial standing.
To reach out to Santander Bank, users may make an appointment at 2 Triton Square, Regent’s Place, London, NW1 3AN. Individuals may also course their queries to 0800-389-7000. Disclaimer: There may be risks involved when applying for a credit card. To learn more, visit the bank’s Terms and Conditions page.
MBNA Balance Transfer and Purchase Credit Card
A Balance Transfer and Purchase Credit Card from MBNA comes in handy for individuals who wish to consolidate their debt. It can also help spread the cost of larger purchases over the long run while giving users protection on purchases valued at £100 and less than £30,000.
As part of its introductory offering, the MBNA Transfer and Purchase Credit Card gives users 0% interest on both balance transfers and purchases within 60 days of account opening. Users can also enjoy this for up to 20 months with a representative APR of 20.9%.
This credit card has no annual fee. It does, however, have a balance transfer fee of 2.99% for 2 months prior to reverting to 5%, a foreign usage charge of 2.95%, a cash advance fee of 5%, and a late payment fee of £12.
How to Apply
Applicants can get easy approvals by checking their eligibility before applying. To qualify, applicants must be residents in the UK aged 18 and over. Having a regular income of a minimum of £14,000 annually and a good credit standing is also a must.
Applicants will be asked to disclose their personal information, their address history for the past three years, and their contact details. Those approved will get a minimum credit limit of £100 depending on their creditworthiness.
For more details, users can get in touch with MBNA at their customer service hotline at 03456-062-062. An appointment may also be made to visit their head office at MBNA Limited, Credit Card Operations, BX1 1LT. Disclaimer: There may be risks involved when applying for a credit card. To know more about this, visit the bank’s Terms and Conditions page.
Barclaycard Platinum Balance Transfer Credit Card
This Barclaycard credit card offering comes with 0% interest on balance transfers for up to 24 months of account opening with a minimal 1% fee for transfers afterward. In addition, the Platinum Balance Transfer Credit Card also bears 0% interest on purchases for up to 6 months.
Cardholders will get to enjoy a 21.9% variable APR and an assumed credit limit of £1,200. The minimum credit limit for this card starts at £50.
Other fees include a cash transaction fee of 2.99% (minimum of £2.99 on both sterling and non-sterling transactions), a foreign usage fee of 2.99% for non-Sterling transactions, and a late payment fee of £12. There are no annual fees and over-credit limit fees.
How to Apply
Those interested in getting this card should visit the eligibility checker found on the Barclaycard website before filling out the application form found online. Both the eligibility checker and application form will require the individual to provide their personal details, contact information, employment details, and address for the past two years. Financial details will also be required by the bank.
Only those aged 21 and up may apply for the Platinum Balance Transfer Credit Card. Individuals must also bear good credit standing, hold a permanent UK address for at least two years, have an annual income of £20,000.
For further inquiries, individuals may visit Barclays Bank at 1 Churchill Place, London E14 5HP. They may also call the bank at 0800-151-0900. Disclaimer: There may be risks involved when applying for a credit card. To know more about this, visit the bank’s Terms and Conditions page.
The Bottom Line
These are the best credit cards with easy approvals. By using the quick eligibility checkers, qualifying applicants can soon begin boosting their credit rating and having access to emergency funding when in need.