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Compare UK store credit cards
From Argos to M&S, 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.
Comparison of store and rewards cards
Approval for any credit card depends on your status. The representative APRs shown represent 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.
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:
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.
- 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.
- Other benefits. Depending on the card you choose, you could also enjoy perks such as complimentary travel insurance, purchase insurance and airport lounge access.
- 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.
M&S Bank Shopping Plus Credit Card
- 0% on balance transfers for 15 months
- 0% on purchases for 18 months
- No annual fee
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
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:
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.
Find the right card for you
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