Compare UK store credit cards

From Debenhams to New Look and Topman, compare store cards and retail rewards credit cards in the UK to earn rewards at your favourite shops.

Store credit cards offer you rewards for shopping with a particular store or brand, with benefits ranging from points per £1 spent to discounts on your shopping, free shipping and exclusive events.

Use this guide to compare store credit cards and learn more about the different features available. We also go through the key factors to consider so you can decide if this type of card is right for you.

M&S Bank Shopping Plus Credit Card

M&S Bank Shopping Plus Credit Card

  • 0% on balance transfers for 22 months
  • 0% on purchases for 22 months
  • No annual fee

Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).

Promoted

What is a store card, and how does it work?

These cards offer benefits when you shop with a particular brand or in a specific type of store. For example, you could earn a higher rate of points per £1 for spending with an associated store, or enjoy complimentary shipping, exclusive sales and long interest-free offers.

Essentially, retailers will offer either of the following:

  • Traditional store cards. These can only be used to make purchases in store and are not on a large card provider network such as Mastercard or Visa. For example, the Karen Millen card can only be used in Karen Millen stores.
  • Retail rewards credit cards. These cards may be branded with a particular store or store group, but are on a card network such as Mastercard, Visa or American Express, meaning they can be used elsewhere. For example, the Dorothy Perkins Mastercard earns reward points wherever you use it. The points can normally only be redeemed with the brand itself, or in some cases with other brands in the same group.

As well as these options, there are some non-retail credit cards, such as cashback or rewards cards, that offer benefits with particular types of stores and brands. For example, the Santander 123 credit card offers cash back on shopping at major supermarkets and department stores. Similarly, American Express offers a credit card that earns Nectar points.

Benefits

  • Reward points. Most store cards in the UK offer points per £1 spent on eligible purchases. Generally, you’ll earn the highest amount of points for spending with the store and a lower amount for spending everywhere else.
  • VIP offers. Some store cards give you access to exclusive events, offers and sales. The New Look card, for example, offers unique card member treats and promotions.
  • Shopping discounts. You can often get savings on your shopping with the store or associated brands when you use a store card to pay for purchases. For example, with a Debenhams card you can get 20% off your first shop in-store or online, and a £5 voucher with your first rewards book.
  • Complimentary delivery. If you shop online, you could enjoy complimentary delivery options with the brand that’s linked to your store card.
  • Flexible payment plans. Store cards may also offer you different payment options for purchases you make with the linked brand. For example, Karen Millen store cards currently offer 6 months interest-free credit on single transactions of £199 or more.
  • Other benefits. Depending on the card you choose, you could also enjoy perks such as complimentary travel insurance, purchase insurance and airport lounge access.

Disadvantages

  • High APRs. Store cards typically range from 21.9 to 29.9% APR, which are usually higher than a mainstream credit card.
  • Lack of clarity. Sales assistants are often not trained adequately to understand how the cards work and are opening cards to fulfil internal targets. They may not give you the full information about the terms and conditions when you sign up to a card so don’t feel pressured into making a quick decision just to take advantage of an opening discount or offer. Ask them what the APR is, if they don’t know that’s not a good sign.
  • Dormancy fees. A few card providers charge a dormancy fee, a type of penalty charge if the account isn’t used for a certain space of time, often around 12 months. Check your summary box to see if your provider charges this.

Comparison of store and rewards cards

Table: sorted by representative APR, promoted deals first
Name Product Purchases Annual/monthly fees Initial credit limits Representative APR Incentive Link
M&S Bank Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
£0
Min. limit £500, max. limit not specified.
19.9% APR (variable)
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).
Check eligibility
M&S Bank Shopping Plus Credit Card
0% for 22 months reverting to 21.9%
£0
Min. limit £500, max. limit not specified.
21.9% APR (variable)
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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
M&S Bank Transfer Plus Offer Mastercard
0% for 3 months reverting to 21.9%
£0
Min. limit £500, max. limit not specified.
21.9% APR (variable)
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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Santander All in One Credit Card
0% for 20 months reverting to 17.9%
£3 per month
Min. limit £500, max. limit not specified.
23.7% APR (variable)
0.5% cashback after £1 of monthly spend. Cashback paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).
Check eligibility
American Express Platinum Cashback Everyday Card
24.5%
£0
Min. limit £700, max. limit not specified.
24.5% APR (variable)
New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a., your representative rate is 24.5% APR (variable).
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American Express Rewards Credit Card
24.5%
£0
Min. limit £500, max. limit not specified.
24.5% APR (variable)
As a new Cardmember, earn 10,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership. Earn 1 point for every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a., your representative rate is 24.5% APR (variable).
Check eligibility
British Airways American Express Card
24.5%
£0
Min. limit £700, max. limit not specified.
24.5% APR (variable)
Limited time offer: Earn 10,000 bonus Avios when you spend £1,000 in your first 3 months. Earn 1 Avios for virtually every £1 spent. Spend £12,000 annually and get a travel companion voucher when redeeming Avios for a BA reward flight.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a., your representative rate is 24.5% APR (variable).
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Name Product Annual/monthly fees Purchases Representative APR Link Cashback details Representative example
Santander All in One Credit Card
£3 per month
0% for 20 months reverting to 17.9%
23.7%
Check eligibility
0.5% cashback after £1 of monthly spend. Cashback paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).
American Express Platinum Cashback Everyday Card
£0
24.5%
24.5%
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New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a., your representative rate is 24.5% APR (variable).
American Express Platinum Cashback Card
£25 per annum
24.5%
29.8%
Check eligibility
As a new Cardmember, get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a. with a fee of £25 per annum, your representative rate is 29.8% APR (variable).
AIB Options 1 Credit Card
£0
18.9%
18.9%
0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent.
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).
smile Classic Credit Card
£0
19.9%
19.9%
0.25% after £1 of monthly spend. Cashback paid Monthly into Card Account.
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).
Lloyds Bank Cashback Credit Card Mastercard
£0
19.94%
19.9%
0.25% on £1 to £4000 of yearly spend. 0.5% after £4001 of yearly spend. Cashback paid January into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
Barclaycard Rewards Visa
£0
22.9%
22.9%
0.25% after £1 of yearly spend. Cashback paid On request into Card Account. Cashback paid annually or on request. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Vitality American Express Credit Card
£0 (but £4.75 fee for the Vitality programme)
24.5%
35.5%
0.5% on £1 to £10,000 of yearly spend and 1% thereafter. Paid on anniversary. Must spend £3,000 annually to earn cashback. Earn up to 2% additional cashback on first £1,000 spend each month based on Vitality products held and monthly activity points earned. New cardmember offer: earn £100 statement credit when £2,000 spent in first three months.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a. with a fee of £0 per month (please note there is a £4.75 fee for the Vitality programme), your representative rate is 35.5% APR (variable).
Santander World Elite Mastercard
£15 per month
0% for 18 months reverting to 18.9%
49.8%
0.5% cashback on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid monthly into card account.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).
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How to compare store credit cards

As well as comparing the benefits of a store card, make sure you consider the following features so you can find one that suits your needs:

  • Acceptance. Make sure the card is an American Express, Mastercard or Visa if you want to be able to use it outside the associated store.
  • Annual fee. Some store credit cards in the UK have an annual fee. Make sure the amount you stand to save outweighs the fee before you apply for the card.
  • Interest rates. Store credit card interest rates typically range from 18% to 30% APR.
  • Interest-free days. Provided you clear your balance in full each month, you’ll be able to take advantage of interest-free days each billing period.
  • Balance transfer. If you have existing card debt you’d like to transfer to a new store credit card, you may be able to get a promotional 0% interest rate if you request the transfer at the time of your application. Just remember to check the standard rate that will apply to the debt if you don’t pay it off during the introductory period.

Store credit cards can help you get more benefits when you regularly shop with a particular brand or store. Just remember to look at all the features and fees of the card, then compare a range of options so that you can find one that suits your needs. Crucially, you should compare what you stand to gain (ie the value of the benefits you’re likely to enjoy), against what you stand to lose (ie the costs involved).

Find a UK store credit card

Frequently Asked Questions

If you want to know more about store cards, here you’ll find answers to some of the most common questions about them. If you have another question, you can also get in touch with us using the comment box below.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though 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, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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