Compare Asda credit cards

American Express® Preferred Rewards Gold Credit Card

Finder Award

• 20,000 Membership Rewards point welcome bonus
• 2 complimentary airport lounge visits per year
• No annual fee in year 1

Representative example: When you spend £1,200 at a purchase rate of 28.8% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £160 per annum, your representative rate is 72.4% APR (variable).

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Compare Asda credit cards

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Name	Product	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
Asda Money Credit Card		N/A	1% cashback	0.3% cashback	£0	25.9% APR (variable)	Read review	Earn 1% back in Asda Pounds when shopping at Asda, earn 0.3% on non-Asda spend. 1 Asda Pound = £1 (min £1)	Representative example: When you spend £1,200 at a purchase rate of 25.9% (variable) p.a., your representative rate is 25.9% APR (variable).	Compare	loading Fetching your data...
Asda Money Select Credit Card		N/A	1% cashback	0.3% cashback	£0	34.9% APR (variable)	Read review	Earn 1% back in Asda Pounds when shopping at Asda, earn 0.3% on non-Asda spend. 1 Asda Pound = £1 (min £1)	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).	Compare	loading Fetching your data...

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Although it has strong northern roots, Asda is today part of the American Wal-Mart group, and has grown into the UK’s second-biggest supermarket chain.

Comparison of cashback credit cards

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Name	Product	Max. intro bonus	Default earn-rate	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
Santander All in One Credit Card		N/A	0.5%	£3 per month	27.7% APR (variable)	Check eligibility Read review	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 21.9% (variable) p.a. with a fee of £3 per month, your representative rate is 27.7% APR (variable).	Compare	loading Fetching your data...
American Express® Platinum Cashback Everyday Credit Card Finder Award		£100	1%	£0	28.8% APR (variable)	Check eligibility Read review	New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three 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 28.8% (variable) p.a., your representative rate is 28.8% APR (variable).	Compare	loading Fetching your data...
American Express® Platinum Cashback Credit Card Finder Award		£125	1.25%	£25 per annum	34.3% APR (variable)	Check eligibility Read review	New cardmember offer: Get 5% cashback on your purchases (up to £125) for the first three 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 28.8% (variable) p.a. with a fee of £25 per annum, your representative rate is 34.3% APR (variable).	Compare	loading Fetching your data...
Payhawk Corporate Visa Card		N/A	1.5%	Subject to subscription	APR (variable)	Read review	Earn up to 1.5% cashback on all eligible card spend up to the amount of your subscription.		Compare	loading Fetching your data...
Pulse Card Mastercard (existing NewDay customers only)		N/A	0.25%		APR (variable)	Read review	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.	Compare	loading Fetching your data...
MBNA Limited Platinum Visa		N/A		£0	12.9% APR (variable)	Read review	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 12.94% (variable) p.a., your representative rate is 12.9% APR (variable).	Compare	loading Fetching your data...
AIB Options 1 Credit Card		£25	0.5%	£0	18.9% APR (variable)	Read review	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).	Compare	loading Fetching your data...
smile Classic Credit Card		N/A	0.25%	£0	19.9% APR (variable)	Read review	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).	Compare	loading Fetching your data...
Halifax Cashback Credit Card Mastercard		£20	0.5%	£0	22.9% APR (variable)	Read review	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).	Compare	loading Fetching your data...
Barclaycard Rewards Visa		0.5% of all spend in first 3 months	0.25%	£0	25.9% APR (variable)	Read review	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 25.9% (variable) p.a., your representative rate is 25.9% APR (variable).	Compare	loading Fetching your data...
Vitality American Express® Credit Card (Vitality Members only) Finder Award		N/A	0.5%	£0 (but £4.75 fee for the Vitality programme)	44.3% APR (variable)	Read review	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 28.8% (variable) p.a. with a fee of £6.5 per month, your representative rate is 40.0% APR (variable).	Compare	loading Fetching your data...
Santander World Elite Mastercard		N/A	0.5%	£15 per month	49.8% APR (variable)	Read review	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.0.5% cashback on monthly spend of up to £3,000. Access to over 1 million Wi-Fi hotspots, no foreign transaction fees, discount on travel insurance.	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).	Compare	loading Fetching your data...

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As the third-largest supermarket group in the UK, Asda is a familiar name. Its stores are visited by tens of millions of shoppers every week, but Asda is less well-known for its popular range of credit cards that come with cashback rewards when used in-store.

How do Asda credit cards work?

Asda’s new credit card is provided by Jaja Finance, a UK based credit card provider regulated by the Financial Conduct Authority (FCA). The cards are issued on the Visa network, meaning they can be accepted in over 200 countries and territories worldwide.

Asda’s straightforward credit card is rewards-focused, but take note that Asda’s version of “cashback” is called “Asda Pounds”, which is a little misleading as the rewards are actually paid in the form of vouchers to be spent in Asda stores.

As you’d expect, the earn-rate on Asda Money’s credit card is better when you’re using your card in-store, but you can still earn when you use your card elsewhere.

Is the cashback worth it?

Whether or not an Asda credit card is right for you is likely to come down to how you would use the card. You’ll want to weigh up the potential costs (like interest on an outstanding balance) with the amount you could earn in cashback.

What types of credit card are available from Asda Money?

Asda Money has reduced its range of credit card products and now just offers the one type for its customers.

You can do a quick eligibility check for the Asda Money Credit Card without affecting your credit score, so you’ll know in advance whether or not it’s worth applying. You can get an instant decision on an application for Asda Money’s credit card, all of which reward you while you spend (especially if you spend at Asda, unsurprisingly).

• Rewards cards

  Asda’s reward credit card gives you “Asda Pounds” back on all your spending, and you earn this at a higher rate for purchases at Asda stores than any made elsewhere.

  Learn more about rewards credit cards

Other benefits of Asda credit cards

• Award-winning products Asda Money’s previous credit cards were recognised as one of the best on offer by the annual Payments Awards, which recognise excellence and innovation in the sector.
• Online account management. You can set up an account to manage your card online.
• Enhanced benefits. You can earn Asda Pounds when you use your Asda Money Credit Card to buy Asda travel insurance.
• No annual fee. You won’t be charged an annual fee for Asda Money’s credit card.

Applying for an Asda credit card

You can apply for an Asda credit card online or by phone. Asda’s site allows would-be applicants to request a ‘soft search’ to find out their likelihood of being accepted for their chosen card, without affecting their credit score.

Eligibility

To be considered for an Asda credit card, you’ll need to meet the following eligibility criteria:

• UK resident.
• Over 18.
• You must provide a mobile or home telephone number.
• You must hold a good credit rating without a history of County Court Judgment or bankruptcy.
• You must hold a UK-based bank or building society account.
• You must ensure that you can meet the repayments as missed payments incur a charge and could have severe consequences on your ability to obtain future credit.

The good news is that Asda states “Students or retired applicants are welcome”.

Why might you not be approved?

Generally, if you meet the eligibility requirements, but have a history of bad debt, including CCJs, IVAs or bankruptcies, your application may be rejected.

Asda Money credit card customer reviews

Asda Money currently has “average” overall reviews from customers, according to review platform Trustpilot. It has a rating of 3.6 out of 5, based on more than 132 reviews (updated August 2022). Some customers reported issues with receiving their cashback vouchers, and problems accessing their online account.

Frequently asked questions

• How will I know how much I owe on my account?

  You can keep track of your account online, and can also opt to receive monthly paper statements. Both of these will show the transactions made on your card, and the date when the next monthly payment is due.

• What is the minimum monthly payment I should expect to have to make?
  

  You will be expected to pay either 2.2% or the full balance if under £5, whichever is the greater.

• What information will I need to supply with my application, and how long will it take?
  

  You’ll need proof of your address for the last three years, details of your bank or building society account, and your employer’s details. You will get an instant decision, both for the eligibility check and the full application.

• Can I use the card for online purchases?

  Yes – just check the payment options on the website concerned, and look out for the Mastercard logo.

• When will I hear a decision about my application?

  You’ll receive a decision from Asda Money regarding both the eligibility check and your full application instantly.

• Where can I use my card?

  As your Asda Money card will be a Visa, you’ll be able to use it in over 200 countries worldwide. If in doubt, look for the Visa sign.