How to Apply For 4 Simple and Easily Approved Credit Cards in the UK

Getting a credit card is like a short-term loan. It can be good for your credit history if you are able to repay your debt on time.

For UK residents, there are a plethora of credit card options. These cards are offered by banks such as American Express, Santander, etc.

In order to help you find the best one, we have prepared four of the best credit cards that are easy to apply and get approved for. Let’s take a look.

How to Apply For 4 Simple and Easily Approved Credit Cards in the UK

American Express Platinum Cashback Everyday Credit Card

If you are looking for a credit card that can be used on a daily basis that also offers cashback rewards, then this American Express Platinum card is a great option.

Fees and Charges

The best thing about this credit card is that there is no annual fee. The annual percentage rate is fixed and set at 22%. While the interest rate is quite high compared to some other banks, the cashback feature helps make up for it.

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How to Apply

The application process is incredibly easy and is done through the official website of the American Express bank. You need to be over 18 years old and a permanent resident of the UK.

Also, you need to have a building society or UK bank account. Lastly, you need to have no bad debt. In order to be eligible for the cashback feature, you need to prove that you haven’t held an American Express card in the past two years.

Bank Contact Details

If you have any questions related to the application process or how the cashback feature works, you can contact American Express via live chat or by phone.

Registered office: Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX

Phone: 0800 032 7404

Support: click here

Features and Benefits

Cashback rewards are not a common thing, which is why this American Express Platinum card sounds like a great choice. There is no cap on the cashback earned, except the cashback you are eligible for during the first 3 months (5% up to £100).

After that time, the cashback is set at 0.5% to 1%, depending on how much you spend.

It is safe to say that if you are looking to use a credit card on an everyday basis, signing up for this American Express card is a good decision.

If you would like to find out about the no fee Apple credit card, click here.

How to Apply For 4 Simple and Easily Approved Credit Cards in the UK

Virgin Money Travel Credit Card

If you are always on the go, then a travel credit card is something that you will need. The Virgin Money credit card doesn’t charge any fees when it comes to foreign transactions, and it also offers 0% interest in the first year of use on purchases and balance transfers.

Fees and Charges

As just mentioned, there is no interest rate when it comes to purchases and balance transfers for the first year. The annual percentage rate is set at 21.9%, although this is variable depending on your credit history.

How to Apply

You can apply through the official website of Virgin Money. You are eligible only as a permanent UK resident who is over 18 years old. The online application form will ask you for a bank account number, as well as proof of residence.

Once you apply, Virgin Money will inform you of the decision within the next 2 business days.

Bank Contact Details

For personal loan inquiries or more info on travel discounts, you can contact Virgin Money through the official website or by phone.

Registered office: Jubilee House, Newcastle upon Tyle, NE3 4PL

Phone: 0800 707 6471 if you are in the UK, or +44 141 951 7320 if you are outside of the country; every Monday to Friday from 8 am to 6 pm, and Saturday from 9 am to 1 pm.

Features and Benefits

The best thing about this credit card is that there are no fees for using it overseas. This means that your trip is going to be more affordable, especially considering the 12-month interest-free period.

If you are planning to travel abroad, then the Virgin Money Credit Card is a good deal.

How to Apply For 4 Simple and Easily Approved Credit Cards in the UK

Santander All In One Credit Card

This Santander All In One credit card is another great card that offers travel benefits, as well as cashback rewards.

Fees and Charges

The first thing that we love about this card is its 0% interest rate for the first 26 months on balance transfers and purchases. The representative APR is set to 21.7%, with the cashback being set at 0.5% on all purchases.

How to Apply

You need to be a permanent resident of the UK and over 18 years old. Also, you need a good credit record and proof that you haven’t filed for bankruptcy in the past 6 years, as well as a guaranteed annual income of at least £7,500.

The application process is done through Santander’s official website.

Bank Contact Details

Santander offers great customer service via phone or live chat on their official website.

Registered office: 2 Triton Square, Regent’s Place, London NW1 3AN

Phone: 0800 456 1333; 9am to 8pm on Monday-Friday, 9am to 5pm on Saturday.

Live chat: click here

Features and Benefits

The first advantage is that you don’t pay transaction fees as long as you purchase in local currency. Additionally, there is a 0% interest on balance transfers/purchases for the first 26 months.

While the interest rate is a bit high, this Santander credit card is a good choice both for everyday use and traveling abroad.

How to Apply For 4 Simple and Easily Approved Credit Cards in the UK

M and S Transfer Plus Credit Card

Finally, we have a credit card that we chose mostly because of its fantastic 0% interest transfer period!

Fees and Charges

The first thing that you need to pay is the 2.85% balance transfer fee. However, the interest rate is set to 0% for 28 months when it comes to all transfers that have happened within 90 days of activation.

Also, you get 6 months of 0% interest on purchases. The representative APR is set to 19.9%.

How to Apply

You can apply through the M and S official website. You need to be over 18 years old and a permanent resident of the UK.

Bank Contact Details

The Mark and Spencer UK bank offers live customer support for any questions related to credit cards.

Customer support: click here

Features and Benefits

As we mentioned above, you have a 28-month 0% interest period, as well as a 6 month 0% interest period when it comes to purchases. Also, Marks and Spencer has a reward program that you can activate with your first purchase.

This is a credit card that is great for users looking to capitalize on a 0% interest balance transfer period!

How to Apply For 4 Simple and Easily Approved Credit Cards in the UK

Wrap Up

We did our best to highlight a couple of credit cards that we consider great options. The final decision is all yours, though! Once you figure out what you need the credit card for, finding the right one shouldn’t be an issue!

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.

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