Credit cards can either be approved instantly or denied. Often times, they take a few minutes for the lender to approve your application, which is extremely convenient.
Now, the fact that these cards offer instant approval doesn’t mean that the lender will not do their due diligence. When it comes to card applications, the company will always run a preliminary credit check, and the higher your credit score, the more likely it is that you will be approved.
Once the company receives your score, and you seem to be eligible for the card, they will then proceed to offer a “conditional approval” for the card as they perform a more thorough check. Read on to learn more about 7 credit cards with fast approval in the UK.
Capital One Classic Credit Card
This Classic credit card attracts the following fees and charges, which can also be found on the Capital One website.
You can reach a Capital One representative by calling +44 115 993 8002. Their head address is Trent House Station, St., Nottingham, Notts, NG2 3HX.
- Representative APR – 34.9%
- 34.9% p.a. variable on purchases
- 2.53% monthly rate on purchases, cash withdrawals, and balance transfers
- No annual fees
- Balance transfer fee – 3%
- Money transfer fee – 3%
- Foreign usage charge – 2.75%
- Late payment fee – £12
- Cash advance fee – either 3% or £3, whichever one is greater
Note: There are risks involved when applying for a loan. Consult the lender’s terms and conditions page for more information.
Aquis Credit Card
This card is issued by Vanquis Bank and it has a low credit limit, but it also has the ability to have it increased after the 5th statement. Additionally, this increases every 5 months. It has the potential to reach £4,000.
If you would like to reach a Vanquis Bank representative, you can reach them by calling 0330 099 3001. Their head address is Freepost RSBJ-HULA-XLGG, PO Box 399, Chatham, ME4 4WQ.
- Purchase APR – charged at 29.8% annually
- Representative APR – charged at 29.8% annually
- Cash APR – charged at 29.8% annually
- Balance transfer APR – charged at 29.8% annually
- Annual fees – £0
- Foreign purchase transaction fee – 2.99% of the sterling value of the transaction
- Foreign cash transaction fee – 2.99% of the sterling value of the transaction
- Cash transaction fee – 3% of the sterling value of a cash transaction or £3, whichever is the higher
- Money transfer fee – 0%
- Minimum monthly payment – either £10 or 3% whichever one is greater.
- Cash advance fee – 3% or £3 whichever one is higher.
Note: There are risks involved when applying for a loan. Consult the lender’s terms and conditions page for more information.
Aqua Classic Card
The Aqua Classic Card has fixed credit limits so the cardholders can be able to keep their spending under control as they build their credit.There is a high potential of increasing your credit limit after your fourth statement.
If you would like to reach a representative, you can call 0333 220 2691. Aqua’s address is 7 Handyside St, Kings Cross, London N1C 4DA.
- Purchase rate – 37.95% or 44.93% or 49.91% or 54.95% or 59.95% annually
- Representative APR – 37.9% variable
- Annual fees – £0
- Cash transaction rates – 47.95% or 54.95% or 59.95% or 64.95% or 69.95% annually
- Balance transfer rates – 37.95% or 44.93% or 49.91% or 54.95% or 59.95% annually
- Money transfer rates – 37.95% or 44.93% or 49.91% or 54.95% or 59.95% annually
- Balance transfer fee – charged at either 3% or a min of £3 whichever one is higher
- Money transfer fee – charged at 3% or £3 whichever one is higher
- Cash transaction fee – charged at 3% or £3 whichever one is higher
- Foreign usage charges – 2.95%
Note: There are risks involved when applying for a loan. Consult the lender’s terms and conditions for more information.
Luma Bad Credit – Credit Card
Compared to other credit builder cards, this card has a higher credit limit of up to £1,500, which is pretty manageable, and there is the potential of having the limit increased after demonstrating good borrowing behavior.
If you would like to get in contact with a representative, you can call 03444 812 812. Luma’s head address is Trent House Station St., Nottingham, Notts, NG2 3HX.
- Representative APR – charged at 35.9%
- Purchase APR – charged at 35.9%
- Cash Withdrawals APR – charged at 35.9%
- Balance transfer APR – charged at 35.9%
- Annual Fees – £0
- Balance transfer fee – charged at 3%
- Money Transfer fee – charged at 3%
- Foreign Usage Charges – charged at 2.75%
- Cash advance fee – charged at either £3 or 3% whichever one is higher
Note: There are risks involved when applying for a loan. Consult the lender’s terms and conditions page for more information.
Vanquis Visa Credit Card
The application process for the Vanquis card is pretty quick, and after you have applied, a representative usually calls you back in about 15 minutes. Provided you have given them the correct information, you can get a decision right on the phone.
If you would like to contact a Vanquis representative, you can call 0330 099 3000. Their head office address is No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU.
- Representative APR – charged at 39.9% variable
- Purchase APR – charged at 39.9% variable
- Cash APR – charged at 39.9% variable
- Balance transfer APR – charged at 39.9% variable
- Annual fees – charged at £0
- Foreign usage charges – 2.99%
- Cash transaction fee – 3% of the sterling value of a cash transaction or £3, whichever is the higher
- Cash advance fee – charged at either 3% or £3, whichever one is higher
Note: There are risks involved when applying for a loan. Consult the lender’s terms and conditions page for more information.
Opus Bad Credit – Credit Card
This card enables you to build your credit if you do not have any credit history, and it also helps people whose credit had taken a bad turn to restore it slowly. You can manage this card very easily using the company website or the mobile app that you can download on your phone.
If you would like to contact a representative, you can call 0333 414 1077. Opus’ head office address is 7 Handyside Street, London, N1C 4DA.
- Representative APR – 39.9%
- Other APRs – 49.9% or 54.9% or 59.9% variable
- Purchase APR – 39.95% or 49.95% or 54.95% or 59.95%
- Cash transactions APR – 49.95% or 59.95% or 64.95% or 69.95%
- Balance transfers APR – 39.95% or 49.95% or 54.95% or 59.95%
- Money transfers APR – 39.95% or 49.95% or 54.95% or 59.95%
- Annual fees – £0
- Balance transfer fees – 3% of the transaction (minimum £3)
- Money transfer fees – 3% of the transaction (minimum £3)
- Cash transaction fees – 3% of the transaction (minimum £3)
- Foreign usage fees – 2.95% of the amount of the transaction
Note: There are risks involved when applying for a loan. Consult the lender’s terms and conditions page for more information.
Ocean Finance Bad Credit – Credit Card (Ocean Credit Card)
This card doesn’t charge it’s customers any monthly fees to use it, which is a pretty great incentive for people who don’t constantly use the card. Although it starts low at around £200, it has the potential of increasing after every few months when you demonstrate good creditworthiness.
If you would like to get in contact with a representative, you can call 0344 481 2812. Ocean’s head address is Think Park, Mosley Road, Trafford Park, Manchester, M17 1FQ. Make sure to contact a rep for exact rates and terms, as the list below is not from Ocean’s official terms.
- Representative APR – 39.9%
- Purchase APR – 39.94%
- Balance transfer APR – 39.94%
- Annual fee – £0
- Purchase interest-free period – up to 56 days
- Balance transfer fee – 3%
- Money transfer APR – 39.94%
- Cash advances APR – 39.94%
- Foreign usage fee – charged at 2.75%
- Cash advance fee – charged at either 3% (minimum of £3)
- Balance transfer fee – 3%
- Money transfer fee – 3%
Note: There are risks involved when applying for a loan. Consult the lender’s terms and conditions page for more information.
Conclusion
These credit cards have the simplest application procedures and are most ideal for people who are looking to improve their credit or build their credit reports. You can find all the information required to apply and use the card on the linked company websites.
Note: There are risks involved when applying for a loan. Consult the lender’s terms and conditions page for more information.
