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  • Details
    • Product overview
    • Fees and charges
    • Application requirements
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ASOS credit card (in partnership with Capital One) review

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Edited by Liz Edwards
ASOS credit card (in partnership with Capital One)
Finder score
Representative example:
When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).
Account fee
Minimum credit limit

Our verdict

She’s here! ASOS has released its own credit card in partnership with Capital One. Here’s what we know so far.

Offering flexibility on your purchases for 3 months and no annual fee, this new card from fashion retailer ASOS might be turning heads for some. But with average rates, an uncompetitive 0% purchase period and no rewards, the ASOS credit card isn’t standing out amongst the competition, despite its funky design.

Unfortunately, not a slay for ASOS! However, it’s very new to the market so hopefully, as a retail credit card, new competitive features will be added in the future. Watch this space!


  • No annual fee
  • Varied credit limits dependent on your circumstances
  • 0% purchases for 3 months


  • No rewards
  • Limited card features and information
  • A relatively high interest rate on purchases

In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
    • Application requirements
  • Your reviews


Product overview

Issuer Capital One
Network Mastercard
Representative APR 34.9% APR (variable)
Annual/monthly fees £0
Purchases 0% for 3 months, reverting to 34.94%
Potential costs 3.0 ★★★★★
Doing its job 2.5 ★★★★★
Extras 3.0 ★★★★★
Overall Finder Score 3.0 ★★★★★

Fees and charges

Annual/monthly fees £0

Application requirements

Minimum Age 18

The ASOS credit card (in partnership with Capital One) is issued on the Mastercard network, so it's accepted at more than 50 million merchant locations across more than 210 countries and territories.

What is the ASOS credit card?

The ASOS credit card is a partnership between fashion retailer ASOS and credit provider Capital One. This means that if approved, you’ll be borrowing credit from Capital One, not ASOS itself.

Key features of the ASOS credit card

  • App based. You can set your payments, track your spending, set up a PIN and lock your card using the Capital One app.
  • 0% purchases. You can spread the cost of your purchases during the first 3 months of card ownership, 34.94% thereafter.
  • No annual fee. No additional account fees to pay on top of your repayments.

The ASOS credit card: is it any good?

The interest rate and interest-free period for this card aren’t market leading, and there aren’t any rewards for spending (at least for now). So where does it slay?

With 0% on purchases for the first 3 months of card ownership, the ASOS credit card offers some flexibility on your purchases. This means the cost of that new jacket you’ve been eyeing up could be spread across 3 months. Plus, you can use it anywhere that takes Mastercard – not just at ASOS

But it’s worth knowing that there are other cards that have a longer 0% period if you’re looking for a card to spread the cost of a shopping haul over a period of time. And the rates aren’t very competitive – if you’re going to carry a balance over to the next month, you could end up paying a lot of interest. Not the vibe.

As with any credit card, if you can’t keep up with repayments, it’ll damage your credit score. On the flip side, if you repay on time, you could build your credit score with the Asos credit card.

Finally, store-branded cards usually offer rewards for using the credit card – especially when you buy with the brand – such as cashback or points. But the ASOS credit card offers no rewards for using it. If you’re looking for a credit card with additional perks, you can compare rewards cards in our full guide. Note that these cards usually require you to have a good credit score and a positive credit history.

How to apply

You can check to see if you’re eligible for the ASOS credit card without affecting your credit score via the ASOS website or app. According to ASOS, you should get a “yes” or “no” answer within 60 seconds. If eligible, you’ll be able to apply for the card using an online application.

Frequently asked questions

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