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.

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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

Table: sorted by representative APR, promoted deals first
Name Product Ratings Finder rating Customer rating Purchases Annual/monthly fees Initial credit limits Representative APR Incentive Link
M&S Bank Credit Card Transfer Plus Offer Mastercard
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
0% for 3 months reverting to 23.9%
£0
Min. limit £500, max. limit not specified.
23.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
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).
Check eligibility
M&S Bank Shopping Plus Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
0% for 18 months reverting to 23.9%
£0
Min. limit £500, max. limit not specified.
23.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
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).
Check eligibility
Santander All in One Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
0% for 15 months reverting to 23.9%
£3 per month
Min. limit £500, max. limit not specified.
29.8% APR (variable)
0.5% 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 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
Check eligibility
American Express® Rewards Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
31%
£0
Min. limit £500, max. limit not specified.
31% APR (variable)
Earn £5 statement credit when spending £15 or more at participating Shop Small retailers between 1.12.23 and 3.12.23. Valid up to 3 times, once per card location, offer must be saved to card. Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1,000 points) to shop, other rewards have differing conversions.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
Check eligibility
British Airways American Express® Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
31%
£0
Min. limit £700, max. limit not specified.
31% APR (variable)
Earn £5 statement credit when spending £15 or more at participating Shop Small retailers between 1.12.23 and 3.12.23. Valid up to 3 times, once per card location, offer must be saved to card. Earn 1 Avios for virtually every £1 spent. Spend £12K each year and get a travel companion voucher when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme. Avios value varies dependent on reward (min 1000pts for flights).
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
Check eligibility
American Express® Platinum Cashback Everyday Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
31%
£0
Min. limit £700, max. limit not specified.
31% APR (variable)
New welcome offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership. Terms apply. 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 31% (variable) p.a., your representative rate is 31% APR (variable).
Check eligibility
Royal Bank of Scotland Reward Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
Not yet rated
25.9%
£24 per annum. Reward Current Account holders: £0 per annum
Min. limit £250, max. limit not specified.
31% APR (variable)
Earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.
Representative example: When you spend £1,200 at a purchase rate of 25.9% (variable) p.a. with a fee of £24 per annum. Reward Current Account holders: £0 per annum, your representative rate is 31% APR (variable).
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Name Product Ratings Finder rating Customer rating Annual/monthly fees Purchases Representative APR Link Cashback details Representative example
Santander All in One Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
£3 per month
0% for 15 months reverting to 23.9%
29.8%
Check eligibility
0.5% 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 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
American Express® Platinum Cashback Everyday Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
£0
31%
31%
Check eligibility
New welcome offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership. Terms apply. 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 31% (variable) p.a., your representative rate is 31% APR (variable).
American Express® Platinum Cashback Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
£25 per annum
31%
36.7%
Check eligibility
New welcome offer: Get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership. Terms apply. 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 31% (variable) p.a. with a fee of £25 per annum, your representative rate is 36.7% APR (variable).
Pulse Card Mastercard (existing NewDay customers only)
Finder score
★★★★★
★★★★★
Expert analysis
Not yet rated
£0
Your interest rate will stay the same as your current NewDay card
Get 0.25% cashback every time you shop, up to a maximum of £150 cashback per year
If you are a current NewDay customer and have been invited to transfer to a Pulse Card, your interest rate and credit limit will remain the same.
MBNA Limited Platinum Visa
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
£0
13.94%
13.9%
0.25% after £1 of yearly spend. Cashback paid January into Card Account. Earn 0.25% cashback on purchases within the first 36 months of account opening. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 13.94% (variable) p.a., your representative rate is 13.9% APR (variable).
AIB Options 1 Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
Not yet rated
£0
17.44%
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 17.44% (variable) p.a., your representative rate is 18.9% APR (variable).
smile Classic Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
Not yet rated
£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).
Halifax Cashback Credit Card Mastercard
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
£0
22.94%
22.9%
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 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).
Barclaycard Rewards Visa
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
£0
28.9%
28.9%
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 28.9% (variable) p.a., your representative rate is 28.9% APR (variable).
Vitality American Express® Credit Card (Vitality Members only)
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
£0 (but £4.75 fee for the Vitality programme)
31%
46.8%
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 31% (variable) p.a. with a fee of £4.75 per month, your representative rate is 46.8% APR (variable).
Santander World Elite Mastercard
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
£15 per month
0% for 18 months reverting to 18.9%
49.8%
0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. 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 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).
Lloyds Bank World Elite Mastercard
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
£15 per month
22.94%
55%
0.5% on £1 to £15000 of yearly spend. 1% after £15001 of yearly spend. Cashback paid Anniversary 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 22.94% (variable) p.a. with a fee of £15 per month, your representative rate is 55% APR (variable).
Halifax World Elite Mastercard
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
£15 per month
22.94%
55%
0.5% on £1 to £15000 of yearly spend. 1% after £15001 of yearly spend. Cashback paid Anniversary 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 22.94% (variable) p.a. with a fee of £15 per month, your representative rate is 55% APR (variable).
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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:

  • 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 could only be used in Karen Millen stores (this card is no longer active).
  • 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 Argos Classic 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.

Supermarket credit cards

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.
  • 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.
M&S Bank Shopping Plus Credit Card

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).

Promoted

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

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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

Check a range of cards in minutes with no impact on your credit score
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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