If you are looking for an easy credit card to get approved for in the UK, there are a lot of great options. You only need to learn where to find them.
There are a lot of benefits and features that you can take advantage of from these credit cards. One of the best reasons to get a credit card in the UK is to improve your credit score and these easy-to-apply credit cards, make it less complicated to apply.
Check out the 5 easy-to-apply credit cards in the United Kingdom and learn how to apply.
Building Your Credit Score
Before you apply for a credit card, you should know that certain factors affect how fast and easily you get approved.
Your credit score, credit history, and many other factors play an important role in how fast you can get approved when you apply for a credit card in the UK.
Make sure that you do the following before you apply for a credit card.
Open a Bank Account
Opening and managing a bank account properly can help build a very good financial history.
Most credit card issuers are from banks so you can always open an account on the bank that you're looking to apply for a credit card.
If you regularly make deposits and withdrawals on that bank account, they are more likely to approve your credit card application.
Pay Your Bills on Time
Paying your bills on time is one of the most underrated moves to increase your credit score.
Your credit score will determine how fast you get approved when you apply for a credit card.
You can improve your credit score over time when you pay your bills and never miss paying them on time. Late payments will hurt your credit score.
Always Check Your Credit Report
Checking your credit report regularly can help you spot some inaccuracies.
If you do find one, make sure that you report it immediately so they can fix it and help your credit score.
You can request free credit reports with the three major credit reference agencies in the UK namely TransUnion, Equifax, and Experian.
General Credit Card Requirements for Easy Application
If you plan on applying for credit cards in the UK, there are certain credit card requirements that you need to meet.
These are documents that you need to prepare before applying for the credit card. Check them out below.
Proof of Address
You will need to show that you are living at the address that you have declared on your application form.
This allows the credit card issuer to know that you are indeed the person living at the address.
You can provide your contract, mortgage agreement, or even utility bill.
Proof of Income
The credit card issuer will require you to submit any proof of income.
This helps them understand your income situation and if you're able to afford the amount that you're borrowing from them.
You will need bank statements or payslips as your proof of income.
Credit History
When it comes to applying for a credit card in the UK, you will need to submit your credit history.
This allows them to check how responsible you are with your credit and is often tied to your interest rate and credit limit.
Having a good credit history means you get approved much faster than those that don't.
Proof of Identity
Lastly, you will need to prepare any document that proves you are who you are.
This involves providing your passport, visa, or any other government-issued ID.
Easy Approval Credit Cards in the United Kingdom
It can be very difficult to get approved for a credit card in the UK if you are not prepared for it.
Make sure that you follow the tips mentioned above first so you can easily get approved.
When you do this, your chances of getting approved for a credit card go even higher. Check out the following credit cards that are easier and faster to be approved.
Barclaycard Forward Card
The Barclaycard Forward Card doesn't require a lot which makes it way easier to get approved. It is often meant for the small spender who is looking to improve their credit score.
Once you open your account, you'll get a month of interest-free period and reward you with 3% less of your usual interest rate when you make payments on time for a full year.
If you're interested in applying, you can contact them through the number - 0333 200 9090 or visit their main office at 1 Churchill Place, London E14 5HP.
Amex Platinum Cashback Everyday Credit Card
The Amex Platinum Cashback Everyday Credit Card is the only American Express credit card in the UK that does not have any monthly or annual fee. This alone makes it a total standout for many people.
With an APR of 30.9% interest, it might be higher for some but the cashback rewards you get are undeniable. You can get as much as 5% cashback on purchases for the first three months then 0.5% to 1% cashback depending on the transaction.
You can check your eligibility in advance or you can call their customer service hotline at 0800 917 8054 or visit them at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom.
Zopa Credit Card
Zopa Credit Card is one of the easiest credit cards to acquire since they require you to download the app to apply. You then have to submit your application and wait for their approval.
The company was named as the Best Credit Card Provider in the UK in 2021. You don't have to pay an annual fee and the interest rates start at 24.9%.
Check more details at the official website or download the app today.
Bip Cardless Credit
How about a credit card without the actual credit card? Applying for the Bip Cardless Credit is simple. All you need is to check your eligibility and once accepted, you add your virtual credit card to your digital wallet like Google Pay or Apple Pay.
Use the card just like any other credit card. The Bip Cardless Credit Card has an interest rate of 29.9% APR and can be used overseas without having to pay for foreign transaction fees or extra charges for cash withdrawals at ATMs.
You can contact them through the number - 0330 838 0115 or visit them at 7 Handyside Street, London, N1C 4DA.
Santander All-in-One Credit Card
Out of all the recommended credit cards, the Santander All-in-One Credit Card is one of the most popular credit cards for a reason.
It is a well-rounded credit card that has no foreign transaction fees on purchases, 0% interest on both balance transfers and purchases for 15 months, and 0.5% cash back on all purchases.
While you may have to pay a £3 monthly fee, the low-interest rate of 21.9% APR makes for a very good argument. You should check out this amazing credit card at their official website to apply and get approved in an instant.
Conclusion
These are a great mix of credit cards that cater to the different needs of every individual. Take the time to check them all out and find a credit card that can get you approved with no problems.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
