ASDA Money Cashback Start Credit Card review November 2019

Who says you can’t earn rewards while building your credit rating? Not Asda…

Finder rating: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).


Representative APR


Account fee

Earn 1p

per £5 spent

Earn 1p

per £1 spent with select partners


IssuerCreation Financial Services
Rep. APR34.9% p.a. (variable)
Annual/monthly fees£0
Loyalty schemeVouchers
IncentiveEarn Asda vouchers every time you shop - 1% cashback on all Asda spend, 0.2% on all other transactions. Once £2.5 is earnt a voucher can be downloaded to spend in Asda stores.
Additional Rewards InfoNo fees when card is used to buy foreign currency from ASDA Travel Money. 6 months 0% interest on purchases of £200 or more at £5 off when £300 or more spent on foreign currency from ASDA Travel Money until 31.12.19.
Purchases interest-free period (days)50
Balance transfers34.9%

Expert review

Chris Lilly

Review by

Chris Lilly is a publisher at He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

As a “credit builder”, this card is designed for customers with a less than perfect credit record, or simply not much in the way of credit history. But unusually for a credit builder, the ASDA Money Cashback Start Credit Card Mastercard comes with rewards. You’ll be able to earn cashback wherever you use the card, and you’ll earn at higher rate when you use it at Asda.

With no annual fee and a manageable, low credit limit, provided any balance is cleared in full each month, this card would be a smart idea for those with limited or less than perfect credit histories.

Just bear in mind that although this card is billed as a “cashback” credit card, the rewards are paid as vouchers to be redeemed at Asda.

Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0371 704 3369), 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 ASDA Money Cashback Start Credit Card

If you’ve been won over by this rewarding card and want to apply, just click on the “Go to Site” button and you’ll be taken to a secure application form. This takes about 15 minutes to complete. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

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