Debenhams credit card review

This card is no longer available, but you can use our review to find alternatives.

The Debenhams credit card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to compare similar cards from other issuers.

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Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).

24.9%

Representative APR

12 months

0% interest on balance transfers

£0

Account fee

Up to 500 points

Intro bonus

Details

IssuerNewDay Ltd
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 12 months reverting to 24.94%
Balance transfer fee2.99% for 12 months reverting to 5%
Purchases24.94%
Purchases interest-free periodUp to 56 days
Cash advances34.95%
Min credit limit£500
Max credit limitNot specified
Additional cards available3
IncentiveEarn 3 points for every £1 spent at Debenhams, and 1 point for every £2 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly.
Minimum Age18
ResidencyUK resident, lived in the UK for last 12 mths, current UK bank account, a home or mobile phone number and regular income
AvailabilityAvailable to new customers
Annual/monthly fees£0
Balance transfer fee2.99% for 12 months reverting to 5%
Foreign usage charge (EU)2.75%
Foreign usage charge (rest of world)2.75%
Cash advance fee3% (min. £3)
Late payment fee£12
Exceeding limit fee£12
Additional card fee£0
Dormancy fee£0

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

For no annual fees, this card lets you earn points every time you spend (more so when you shop at Debenhams, unsurprisingly) and rewards you with Debenhams vouchers at a very decent rate.

You can also transfer your old balance on the card and enjoy its 0% for 12 months reverting to 24.94%, but keep in mind that its 2.99% for 12 months reverting to 5% balance transfer fee isn’t exactly the cheapest available on the market.

Debenhams’ credit card is provided by NewDay Ltd, a specialist UK-based provider of storecard and loyalty card schemes, and is issued on the Mastercard network, meaning it can be used at more than 35 million merchants and ATMs worldwide and you can also enjoy Mastercard’s special Priceless Cities benefits.

The Debenhams credit card is issued on the Mastercard network so it's accepted at nearly 53 million merchants across more than 210 countries and territories.

Pros and cons

Pros

  • A year of 0% interest on balances transferred to focus on reducing your card debt
  • Earn points on day-to-day spending
  • Up to 500 points introductory bonus
  • No annual fee

Cons

    Other reward cards

    Table: sorted by representative APR, promoted deals first
    Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Representative APR Link Incentive Representative example
    M&S Bank Rewards Offer Mastercard
    N/A
    2 points per £1 spent
    1 point per £5 spent
    £0
    19.9% APR (variable)
    Check eligibility
    Double points on spend in M&S for first 12 months (2 points per £1). Then 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 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
    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
    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).
    M&S Bank Transfer Plus Offer Mastercard
    N/A
    1 point per £1 spent
    1 point per £5 spent
    £0
    21.9% APR (variable)
    Check eligibility
    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).
    Santander All in One Credit Card
    N/A
    0.5% cashback
    0.5% cashback
    £3 per month
    23.7% APR (variable)
    Check eligibility
    0.5% cashback 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 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).
    American Express Platinum Cashback Everyday Card
    £100
    1% cashback
    1% cashback
    £0
    24.5% APR (variable)
    Go to site
    New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership. 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 24.5% (variable) p.a., your representative rate is 24.5% APR (variable).
    American Express Rewards Credit Card
    10,000 points
    1 point per £1 spent
    1 point per £1 spent
    £0
    24.5% APR (variable)
    Check eligibility
    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 24.5% (variable) p.a., your representative rate is 24.5% APR (variable).
    British Airways American Express Card
    10,000 points
    1 point per £1 spent
    1 point per £1 spent
    £0
    24.5% APR (variable)
    Go to site
    Limited time offer: Earn 10,000 bonus Avios when you spend £1,000 in your first 3 months. 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.
    Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a., your representative rate is 24.5% APR (variable).
    Royal Bank of Scotland Reward Credit Card Mastercard
    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
    1% Rewards earned on supermarket spend and 0.25% at their petrol stations, at least 1-15% Rewards earned at MyRewards retailers and 0.25% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities.
    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).
    NatWest Reward Credit Card Mastercard
    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
    1% Rewards earned on supermarket spend and 0.25% at their petrol stations, at least 1-15% Rewards earned at MyRewards retailers and 0.25% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities.
    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).
    American Express Platinum Cashback Card
    £125
    1.25% cashback
    1.25% cashback
    £25 per annum
    29.8% APR (variable)
    Check eligibility
    As a new Cardmember, get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership. 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 24.5% (variable) p.a. with a fee of £25 per annum, your representative rate is 29.8% APR (variable).
    The American Express Nectar Credit Card
    20,000 points
    2 points per £1 spent
    2 points per £1 spent
    Year 1 - £0, Year 2 onwards - £25 per annum
    29.8% APR (variable)
    Check eligibility
    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 24.5% (variable) p.a. with a fee of £25 per annum (waived in year one), your representative rate is 29.8% APR (variable).
    The Marriott Bonvoy American Express Card
    20,000 points
    6 points per £1 spent
    2 points per £1 spent
    £75 per annum
    41.6% APR (variable)
    Check eligibility
    Earn 20,000 points bonus when you spend £3,000 in the first 3 months. 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 24.5% (variable) p.a. with a fee of £75 per annum, your representative rate is 41.6% APR (variable).
    American Express Preferred Rewards Gold Credit Card
    30,000 points
    2 points per £1 spent
    1 point per £1 spent
    Year 1 - £0, Year 2 onwards - £140 per annum
    59.9% APR (variable)
    Check eligibility
    Limited Time Offer: Earn 30,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership. Offer ends 9 November 2021.
    Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a. with an annual fee of £140 (£0 in first year), your representative APR is 59.9% APR (variable).
    British Airways American Express Premium Plus
    40,000 points
    3 points per £1 spent
    1.5 points per £1 spent
    £250 per annum
    101.1% APR (variable)
    Check eligibility
    As a new Cardmember, earn 40,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Earn 3 Avios for per £1 spent directly with BA and 1.5 Avios per £1 spent elsewhere.
    Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a. with a fee of £250 per annum, your representative rate is 101.1% APR (variable).
    The American Express Green Card
    N/A
    1 point per £1 spent
    1 point per £1 spent
    £60 per annum
    N/A (this product is a charge card).
    Check eligibility
    1 point earned for virtually every £1 spent. Rewards points can be used as currency to buy flights and package holidays through American Express Travel. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays. If you're an existing Cardmember, invite your friends to join American Express and you'll get 5,000 points if they are approved.
    The Platinum Card
    Finder Award
    The Platinum Card
    60,000 points
    1 point per £1 spent
    1 point per £1 spent
    £575 per annum
    N/A (this product is a charge card).
    Check eligibility
    Limited Time Offer: Earn 60,000 Membership Rewards® points when you spend £6,000 in your first six months of Cardmembership.
    Tesco Bank Low APR Card
    N/A
    1 point per £4 spent
    1 point per £8 spent
    £0
    9.9% APR (variable)
    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).
    The Co-operative Bank Members' Credit Card Visa
    N/A
    1 point per £2 spent
    1 point per £3.33 spent
    £0
    18.3% APR (variable)
    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 18.3% (variable) p.a., your representative rate is 18.3% APR (variable).
    John Lewis and Waitrose Partnership Mastercard
    N/A
    1.25 points per £1 spent
    1 point per £4 spent
    £0
    18.9% APR (variable)
    Earn 5 points for every £4 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £4 spent elsewhere. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5.
    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).
    AIB Options 1 Credit Card
    £25
    0.5% cashback
    0.5% cashback
    £0
    18.9% APR (variable)
    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).
    HSBC Premier Credit Card
    N/A
    1 point per £1 spent
    1 point per £1 spent
    £0
    18.9% APR (variable)
    A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles.
    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).
    Bank of China (UK) Great Wall International Classic Credit Card Visa
    N/A
    10 points per £1 spent
    10 points per £1 spent
    £10 per annum
    19% APR (variable)
    Earn 10 points per £1 spent on card; points can be redeemed for selected gifts or card annual fee waiver.
    Representative example: When you spend £1,200 at a purchase rate of 17.1% (variable) p.a. with a fee of £10 per annum, your representative rate is 19% APR (variable).
    Lloyds Bank Cashback Credit Card Mastercard
    £20
    0.5% cashback
    0.5% cashback
    £0
    19.9% APR (variable)
    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 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
    smile Classic Credit Card
    N/A
    0.25% cashback
    0.25% cashback
    £0
    19.9% APR (variable)
    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).
    Bank of China (UK) Great Wall International Gold Credit Card Visa
    N/A
    10 points per £1 spent
    10 points per £1 spent
    £40 per annum
    20.1% APR (variable)
    Earn 10 points per £1 spent on card; points can be redeemed for selected gifts or card annual fee waiver.
    Representative example: When you spend £1,200 at a purchase rate of 12.7% (variable) p.a. with a fee of £40 per annum, your representative rate is 20.1% APR (variable).
    Tesco Bank Purchases Card
    N/A
    1 point per £4 spent
    1 point per £8 spent
    £0
    20.9% APR (variable)
    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. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
    Representative example: When you spend £1,200 at a purchase rate of 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).
    Tesco Bank Balance Transfer Card
    N/A
    1 point per £4 spent
    1 point per £8 spent
    £0
    20.9% APR (variable)
    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. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
    Representative example: When you spend £1,200 at a purchase rate of 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).
    Sainsbury's Bank Dual 22 Month Offer Credit Card Mastercard
    7,500 points
    3 points per £1 spent
    1 point per £5 spent
    £0
    20.9% APR (variable)
    Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers.
    Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
    Tesco Bank Clubcard Balance Transfer and Purchases Credit Card
    N/A
    1 point per £4 spent
    1 point per £8 spent
    £0
    20.9% APR (variable)
    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 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).
    Tesco Bank 15 Month All Round Clubcard Credit Card Mastercard
    N/A
    N/A
    N/A
    £0
    20.9% APR (variable)
    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 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).
    Sainsbury's Bank Nectar Reward Credit Card
    10,000 points
    3 points per £1 spent
    1 point per £5 spent
    £0
    20.9% APR (variable)
    Earn 10,000 Nectar points if £400 spent at Sainsbury's, Argos or Tu Clothing during first two months of opening. Earn up to 3 Nectar points per £1 spent at Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 8,000 bonus points when you use your card to spend a total of £400 or more at Sainsbury's, Argos, Habitat or Tu Clothing during the 2 months after your account is opened.
    Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
    HSBC Rewards Credit Card
    2,500 points
    10 points per £1 spent
    1 point per £5 spent
    £0
    21.9% APR (variable)
    Earn up to 10 points for every £1 spent at selected retailers and 1 point for every £5 spent elsewhere. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year for first 5 years.
    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).
    Sainsbury's Bank 30 Month Balance Transfer Credit Card Mastercard
    5,000 points
    3 points per £1 spent
    1 point per £5 spent
    £0
    21.9% APR (variable)
    Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers.
    Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).
    Sainsbury's Bank 28 Month Balance Transfer Credit Card Mastercard
    N/A
    N/A
    N/A
    £0
    21.9% APR (variable)
    Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers.
    Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).
    Sainsbury’s Bank No Balance Transfer Fee Credit Card
    7,500 points
    2 points per £1 spent
    1 point per £5 spent
    £0
    21.9% APR (variable)
    Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers.
    Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).
    Amazon Platinum Mastercard
    4,000 points
    1 point per £1.33 spent
    1 point per £4 spent
    £0
    21.9% APR (variable)
    Earn 1.5 Amazon reward points per £2 spent at Amazon.co.uk. Earn 0.5 Amazon reward point per £2 spent elsewhere. Whenever your Amazon reward points reach 1,000 a £10 Amazon.co.uk Gift Card will be automatically linked to your Amazon.co.uk account. For Amazon Prime members - earn 3 Amazon reward points per £2 spent at Amazon.co.uk and earn 0.5 Amazon Reward point per £2 spent elsewhere.
    Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).
    Virgin Money Virgin Atlantic Reward Credit Card
    N/A
    1.5 points per £1 spent
    1 point per £1.33 spent
    £0
    22.9% APR (variable)
    Earn 0.75 Flying Club miles for every £1 spend and 1.5.miles for every £1 spend with Virgin Atlantic or Virgin Holidays. Spend £20K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket.
    Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
    IHG Rewards Club Credit Card Mastercard
    10,000 points
    2 points per £1 spent
    1 point per £1 spent
    £0
    22.9% APR (variable)
    Receive 1 IHG Rewards Club point for every £1 spent in the UK. 2 IHG Rewards Club points for every £1 spent at any IHG location in the UK and 2 IHG Rewards Club points for every £1 spent abroad.
    Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
    Barclaycard Rewards Visa
    0.5% of all spend in first 3 months
    0.25% cashback
    0.25% cashback
    £0
    22.9% APR (variable)
    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 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
    Tesco Bank Foundation Card
    N/A
    1 point per £4 spent
    1 point per £8 spent
    £0
    27.5% APR (variable)
    Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction.  Must have available credit to collect Clubcard points. Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel.
    Representative example: When you spend £1,200 at a purchase rate of 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).
    Vitality American Express Credit Card
    N/A
    0.5% cashback
    0.5% cashback
    £0 (but £4.75 fee for the Vitality programme)
    35.5% APR (variable)
    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 24.5% (variable) p.a. with a fee of £0 per month (please note there is a £4.75 fee for the Vitality programme), your representative rate is 35.5% APR (variable).
    Tesco Bank Clubcard Plus Credit Card Mastercard
    N/A
    1 point per £4 spent
    1 point per £8 spent
    £7.99 per month
    37.7% APR (variable)
    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 19.944% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).
    Royal Bank of Scotland Reward Black Credit Card Mastercard
    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)
    1% Rewards earned on supermarket spend and 0.5% at their petrol stations, at least 1-15% Rewards earned at MyRewards retailers and 0.5% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities.
    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).
    NatWest Reward Black Credit Card Mastercard
    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)
    1% Rewards earned on supermarket spend and 0.5% at their petrol stations, at least 1-15% Rewards earned at MyRewards retailers and 0.5% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities.
    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).
    Santander World Elite Mastercard
    N/A
    0.5% cashback
    0.5% cashback
    £15 per month
    49.8% APR (variable)
    0.5% cashback on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid monthly into card account.
    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).
    HSBC Premier World Elite Credit Card
    40,000 points
    2 points per £1 spent
    2 points per £1 spent
    £195 per annum
    59.3% APR (variable)
    2 points for every £1 spend in the UK. 4 points for every £1 spend outside the UK. 40,000 Anniversary Points Boost - qualifying spend £12K in 12 months from account opening. Points can be redeemed for airline frequent flyer miles, retail vouchers from selected stores and luxury wines and champagnes or can be used to make donations made to the charity of the customer's choice.
    Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 59.3% APR (variable).
    Virgin Money Virgin Atlantic Reward Plus Credit Card
    15,000 points
    3 points per £1 spent
    1.5 points per £1 spent
    £160 per annum
    63.9% APR (variable)
    Earn 15,000 bonus miles with your first card purchase made within 90 days of account opening. Earn 1.5 Flying Club miles for every £1 spend and 3 miles for every £1 spend with Virgin Atlantic and Virgin Holidays. Spend £10K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket.
    Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £160 per annum, your representative rate is 63.9% APR (variable).
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    Compare up to 4 providers

    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:

    Minimum amount Fixed amount Fixed percentage Full amount

    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

    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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