Albion Mastercard review September 2019

Designed for Baggies fans who really want to go all in with their club, this credit card comes with a series of appealing perks.

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).

6 months

0% interest on balance transfers

18.9%

Representative APR

£0

Account fee

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.

How does this card compare with other team-affiliated cards?

Table: sorted by representative APR, promoted deals first
Updated September 21st, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
0% for 6 months reverting to 17.9%
0% for 6 months reverting to 17.9%
£0
17.9% p.a. (variable)
A one-off payment to Rugby Club/school of choice plus percentage of annual turnover.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
18.9%
0% for 6 months reverting to 18.9%
£0
18.9% p.a. (variable)
Free matchday programme offer after the first 3 spends, exclusive monthly prize draws to win hospitality box tickets, signed merchandise and more.
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%
0% for 6 months reverting to 18.9%
£0
18.9% p.a. (variable)
10% discount in the Owls Megastore, 2 for 1 match ticket after the first three spends on your Owls Mastercard, away ticket priority and 0% Season Ticket Offer - details throughout the season..
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%
0% for 6 months reverting to 18.9%
£0
18.9% p.a. (variable)
Free meet and greet signing sessions once card activated, 0% Season Ticket Offer - details throughout the season.
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).

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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.

We exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When you make major financial decisions, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

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