Debenhams credit card review

M&S Bank Shopping Plus Credit Card

• 0% on balance transfers for 24 months
• 0% on purchases for 24 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).

Check eligibility
More Info

Pros and cons

Other reward cards

Table: sorted by representative APR, promoted deals first

Updated daily

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Close

Sort by:

Name	Product	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
M&S Bank Credit Card Rewards Offer Mastercard		N/A	2 points per £1 spent	1 point per £5 spent	£0	19.9% APR (variable)	Check eligibility Read review	Double points on spend in M&S for first year (2 points per £1). Then 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 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card		N/A	1 point per £1 spent	1 point per £5 spent	£0	21.9% APR (variable)	Check eligibility Read review	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).	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard		N/A	1 point per £1 spent	1 point per £5 spent	£0	21.9% APR (variable)	Check eligibility Read review	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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Santander All in One Credit Card		N/A	0.5% cashback	0.5% cashback	£3 per month	24.7% 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 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).	Compare	loading Fetching your data...
American Express® Platinum Cashback Everyday Credit Card Finder Award		£100	1% cashback	1% cashback	£0	25.3% 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 25.3% (variable) p.a., your representative rate is 25.3% APR (variable).	Compare	loading Fetching your data...
The American Express Rewards® Credit Card Finder Award		10,000 points	1 point per £1 spent	1 point per £1 spent	£0	25.3% APR (variable)	Check eligibility Read review	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 25.3% (variable) p.a., your representative rate is 25.3% APR (variable).	Compare	loading Fetching your data...
British Airways American Express® Credit Card Finder Award		5,000 points	1 point per £1 spent	1 point per £1 spent	£0	25.3% APR (variable)	Check eligibility Read review	New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership. 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. Terms Apply	Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a., your representative rate is 25.3% APR (variable).	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Credit Card (existing customers only)		N/A	1 point per £1 spent	1 point per £4 spent	£24 per annum. Reward or Reward Black Current Account holders: £0 per annum	26.8% APR (variable)	Check eligibility Read review	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 21.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 26.8% APR (variable).	Compare	loading Fetching your data...
NatWest Reward Credit Card (existing customers only)		N/A	1 point per £1 spent	1 point per £4 spent	£24 per annum. Reward or Reward Black Current Account holders: £0 per annum	26.8% APR (variable)	Check eligibility Read review	You'll 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 21.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 26.8% APR (variable).	Compare	loading Fetching your data...
American Express® Platinum Cashback Credit Card Finder Award		£125	1.25% cashback	1.25% cashback	£25 per annum	30.7% 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 25.3% (variable) p.a. with a fee of £25 per annum, your representative rate is 30.7% APR (variable).	Compare	loading Fetching your data...
American Express® Nectar Credit Card Finder Award		20,000 points	3 points per £1 spent	2 points per £1 spent	Year 1 - £0, Year 2 onwards - £25 per annum	30.7% APR (variable)	Check eligibility Read review	Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.	Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 30.7% APR (variable).	Compare	loading Fetching your data...
NatWest Reward Black Credit Card (existing customers only)		N/A	1 point per £1 spent	1 point per £2 spent	£84 per annum. Reward Black Current Account holders: £0 per annum	40.7% APR (variable)	Check eligibility Read review	You'll earn 1% back at supermarkets and 0.5% 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 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Black Credit Card (existing customers only)		N/A	1 point per £1 spent	1 point per £2 spent	£84 per annum. Reward Black Current Account holders: £0 per annum	40.7% APR (variable)	Check eligibility Read review	Earn 1% back at supermarkets and 0.5% 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 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).	Compare	loading Fetching your data...
The Marriott Bonvoy American Express Card Finder Award		20,000 points	6 points per £1 spent	2 points per £1 spent	£75 per annum	42.6% APR (variable)	Check eligibility Read review	New Cardmember offer: Earn 20,000 points when you spend £3,000 within 3 months of Cardmembership. Earn 2 points per £1 spent and 6 points per £1 of eligible spend at Marriott properties.	Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a. with a fee of £75 per annum, your representative rate is 42.6% APR (variable).	Compare	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award		30,000 points	2 points per £1 spent	1 point per £1 spent	Year 1 - £0, Year 2 onwards - £140 per annum	61% APR (variable)	Check eligibility Read review	New welcome offer: Earn 30,000 Membership Rewards points when you spend £3,000 in your first three months of Cardmembership. Offer ends 19 July. Terms Apply. 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £140 per annum, your representative rate is 61% APR (variable).	Compare	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award		25,000 points	3 points per £1 spent	1.5 points per £1 spent	£250 per annum	102.5% APR (variable)	Check eligibility Read review	Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. New Cardmembers Only. Earn 3 Avios for per £1 spent directly with BA and 1.5 Avios per £1 spent elsewhere. Terms Apply	Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a. with a fee of £250 per annum, your representative rate is 102.5% APR (variable).	Compare	loading Fetching your data...
The Platinum Card Finder Award		30,000 points	1 point per £1 spent	1 point per £1 spent	£575 per annum	N/A (this product is a charge card).	Check eligibility Read review	Earn 30,000 Membership Rewards points when you spend £4,000 in your first 3 months of Cardmembership. Terms apply.		Compare	loading Fetching your data...
Tesco Bank Low APR Card		N/A	1 point per £4 spent	1 point per £8 spent	£0	9.9% APR (variable)	Read review	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.	Representative example: When you spend £1,200 at a purchase rate of 9.942% (variable) p.a., your representative rate is 9.9% APR (variable).	Compare	loading Fetching your data...
The Co-operative Bank Members' Credit Card Visa		N/A	1 point per £2 spent	1 point per £3.33 spent	£0	18.2% APR (variable)	Read review	1p earned for every £2 spent in The Co-operative Food stores (excluding in-store concessions) and 1p earned for every £3.33 spent anywhere else. Cashback will be added to your share of the Group profits and this will be paid to you twice a year.	Representative example: When you spend £1,200 at a purchase rate of 18.2% (variable) p.a., your representative rate is 18.2% APR (variable).	Compare	loading Fetching your data...
AIB Options 1 Credit Card		£25	0.5% cashback	0.5% cashback	£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...

loading

Load More

Compare up to 4 providers

Clear selection

Compare

Approval for any credit card will depend 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.

Looking for perks?

• Rewards.
  You’ll earn points each time you use the Debenhams credit card, but at a better rate when you use it in Debenhams. Every three months the points are converted into vouchers and sent to you along with your statement. Debenhams also regularly run introductory offers such as “welcome points”. The card also comes with an array of additional benefits.
  Learn more about rewards cards
• 0% on balance transfers.
  If you have an outstanding balance on another credit card, that needn’t stop you from switching to a new card issuer. With a 0% balance transfer facility, you can bring outstanding debt across to the new card and enjoy an interest rate of 0% on it for a promotional period. Remember however that there is normally a transfer fee to pay for this service, which is usually a percentage of the balance.
  Learn more about 0% balance transfer cards
• 0% on selected purchases.
  If you’re planning a significant expenditure and want to spread the cost, a card with 0% interest on purchases can allow you to do so without paying interest. You’ll want to make sure that your particular purchase is allowed under the terms, and make a note of when you’ll start paying interest on purchases.
  Learn more about 0% purchase cards

Want more?

You’re in luck! But remember perks are there to lure you in, and you’re going to want to carefully assess whether the perks will leave you better off than if you opted for competitor card. Try to work out roughly how much money you’d actually earn through the perks and reward points, and take this figure into account when you compare cards. Once you’ve taken out a reward card, try not to obsess on your running points total and end up making purchases you don’t need.

• Free delivery on your Debenhams purchases. If you make a purchase on Debenhams’ website, you’ll get standard free delivery.
• Additional cards. You can nominate up to three additional cardholders, provided they are aged over 18, are your spouse, partner or other close relative, a UK resident, and live at the same address as you.
• Online account management. You can register to use Debenhams’ online account management facility. Through this, you can make payments, check the available balance on your card, update your details and carry out a range of other tasks involved in servicing your account.

The verdict

With no annual fee and a fairly generous rewards points programme, the Debenhams Mastercard offers a decent rewards-based deal, especially those who do a lot of their shopping at Debenhams. And the perks don’t stop there. You’ll also get free delivery on Debenhams purchases as well as 0% interest on balance transfer for the first 12 months (albeit with a balance transfer fee).

The Debenhams Credit Card offers a balanced range of features and incentives especially aimed shoppers. Obviously if you’re already a big fan of the brand, you’ll stand to benefit more than most.

Repayment options

You can make manual repayments through NewDay Ltd's app, by logging in to your online banking or over the phone (0300 220 2519). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) or losing any promotional rates as a result.

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

How to apply

Sorry – NewDay Ltd is no longer accepting applications for this card. However you may wish to consider one of the alternatives listed above.

Eligibility requirements

To qualify for a Debenhams credit card, you must:

• Be 18 years or over
• Be a permanent UK resident and have lived in the UK for the last 12 months (unless you’re HM Forces Personnel)
• Have a current UK bank account and a mobile phone number
• Not already have a Debenhams Card
• Have a regular income
• 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

Why might your application not be approved?

If you meet the broad criteria outlined above, but have a history of bad debt or no credit history, you could be rejected. Also, if you have been made the subject of a CCJ you may not be accepted, and are unlikely to be given a card if you have ever declared bankruptcy.

Browse UK retail rewards cards