Albion Mastercard review

Last updated:  

This card is no longer available, but you can use this page to compare alternatives.

As of May 2020, this card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to compare similar cards from other issuers.

Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).

18.9%

Representative APR

£0

Account fee

6 months

0% interest on balance transfers

Up to 50 days

Interest-free each billing period

Details

IssuerCreation Financial Services
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 6 months reverting to 18.9%
Balance transfer fee5% (min. £5)
Purchases18.9%
Purchases interest-free periodUp to 50 days
Cash advances27.9%
Min credit limit£100
Max credit limitNot specified
Additional cards available1
IncentiveFree matchday programme offer after the first 3 spends, exclusive monthly prize draws to win hospitality box tickets, signed merchandise and more.

If you’re a West Brom fan and successfully apply for this credit card, you’re in for a treat – you’ll get discounts at the club’s shop and monthly prize draws without paying any annual fee.

Aside from the perks, Albion Mastercard’s other features make it a respectable credit card that does the job just fine. Provided you don’t carry a balance from month to month, you’ll enjoy up to 50 days of 0% interest on your purchases each billing cycle, which is a comparatively long period that gives you some extra freedom in those months when your finances are a bit more stretched than usual.

This card also makes a decent option if you’re carrying a balance from another card and need some extra time to pay it off. However, there is a balance transfer fee of 5% (min. £5) to consider and it’s also important to remember that if you don’t clear your balance in full within the introductory interest-free 6 months, any outstanding balance will start to accrue interest at the card’s standard rate.

As this card is on the Mastercard network, it’s accepted in more than 40 million locations worldwide. You’ll also be able to enjoy access to Priceless Cities experiences.

Compare popular rewards credit cards

Table: sorted by representative APR, promoted deals first
Data indicated here is updated daily
Name Product Purchases Annual/monthly fees Rep. APR Link Incentive Representative example
M&S Bank Transfer Plus Mastercard
0% for 3 months reverting to 19.9%
£0
19.9% (variable)
Check eligibility
More Info
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
M&S Bank Reward Plus Mastercard
0% for 6 months reverting to 19.9%
£0
19.9% (variable)
Check eligibility
More Info
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
M&S Bank Shopping Plus Mastercard
0% for 18 months reverting to 19.9%
£0
19.9% (variable)
Check eligibility
More Info
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
American Express Platinum Cashback Everyday Card
22.2%
£0
22.2% (variable)
Go to site
More Info
New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
American Express Rewards Credit Card
22.2%
£0
22.2% (variable)
Go to site
More Info
As a new Cardmember, earn 5,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
British Airways American Express Card
22.2%
£0
22.2% (variable)
Go to site
More Info
New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
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Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0371 376 9214), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Albion Mastercard

If you’ve compared credit cards and decided that your heart is set on this one you can apply online. To be eligible you must be 18 or more, a UK resident and have a valid email address and landline telephone number.

You’ll need your personal details, your address history, your employment details (including the name and address of your employer), your bank details and the details of your previous credit card if you want to apply for a balance transfer. At the beginning of the process, you’ll get to do an eligibility check that will tell you if you’re likely to be accepted without impacting your credit score.

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