Dorothy Perkins credit card review

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

The Dorothy Perkins 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 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).

29.9%

Representative APR

£0

Account fee

Up to 1,000 points

Intro bonus

Earn 1 point

per £1 spent

Details

IssuerNewDay Ltd
NetworkMastercard
Representative APR29.9% APR (variable)
Annual/monthly fees£0
Loyalty schemePoints
IncentiveEarn 2 points for every £1 spent at Dorothy Perkins and other Arcadia Group stores and online, and 1 point for every £1 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly. Bonus points in birthday month.
Incentive on opening1,000 bonus points on account opening.
Additional Rewards InfoExclusive sales and discount events.
Purchases29.95%
Purchases interest-free period (days)56
Balance transfers29.95%

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

Part of the Arcadia Group range of cards, the Dorothy Perkins Mastercard is designed to reward loyal customers of the longstanding women’s fashion retailer.

You’ll get double points for all purchases at Dorothy Perkins (and other Arcadia Group stores), and 1 point per £1 spent elsewhere. You’ll then be given a voucher each quarter that can be used on any Arcadia Group purchases.

However, the purchase rate is rather high, so it’s not a card that you’ll want to be carrying a balance on, and there’s a number of fees you’ll need to look out for.

If you’re a regular shopper at Dorothy Perkins, or any of the other Arcadia Group brands, then the double reward points may be enticing, but for everyone else, there’s likely to be better options out there.

M&S Bank Shopping Plus Credit Card

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).

Promoted

Pros and cons

Pros

  • Earn points on day-to-day spending
  • Up to 1,000 points introductory bonus
  • No annual fee

Cons

  • A relatively high interest rate on purchases
  • Applicants with low credit scores are unlikely to be eligible
  • Relatively high balance transfer fee

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 Credit Card 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 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).
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 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
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).
Santander All in One Credit Card
N/A
0.5% cashback
0.5% cashback
£3 per month
24.7% APR (variable)
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 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).
American Express Platinum Cashback Everyday Card
£100
1% cashback
1% cashback
£0
25.3% APR (variable)
Go to site
New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership and an extra £20 bonus cashback. Offer ends 6 July 2022. Terms and minimum spend 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).
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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.

The Arcadia Group? What’s that?

Arcadia Group Ltd. is a British retailing company which owns a number of UK high-street staples (listed below). With over 2,500 stores and employing more than 20,000 staff, it’s often hit the headlines – for both good and bad reasons. As well as Dorothy Perkins, the group includes:

  • Burton
  • Evans
  • Miss Selfridge
  • Topman
  • Topshop
  • Wallis

Repayment options

You can make manual repayments through NewDay Ltd's app, by logging in to your online banking or over the phone (0333 220 2503). 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.

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4 Comments

  1. Default Gravatar
    Calvina
    November 1, 2019

    I’m planning on using my DP card abroad USA. I want to know what the process is for doing so

    • Avatarfinder Customer Care
      Tom
      November 11, 2019

      Hi Calvina,

      Thanks for getting in touch. You’re free to use your Dorothy Perkins credit card in the US as you would at home, but there are a couple of fees you’ll need to be aware of.

      At the time of writing, you’ll be charged a 2.75% foreign usage fee on every transaction you make abroad using your Dorothy Perkins card. Unlike the EU, merchants and businesses in the US are also allowed to add a credit card surcharge, which can be up to 4% of the total purchase. However, they will need to have a sign notifying you of the surcharge at the point of sale.

      If you’re looking for a credit card with no foreign usage fees, you can compare a range of them here – https://www.finder.com/uk/credit-cards/best-credit-card-to-use-overseas.

      I hope this helps, but please let me know if you have any other questions.

      Thanks,

      Tom

  2. Default Gravatar
    Natalee
    October 8, 2019

    Please can you tell me can I apply for a store card online

    • Avatarfinder Customer Care
      Charisse
      October 8, 2019

      Hi Natalie,

      Yes, you can apply for Dorothy Perkins Mastercard online, through their website. Typically, it will only take you about 15 minutes to complete the online application.

      Before you apply, check that you meet the eligibility criteria/requirements and read through the PDS/Terms and Conditions before making a decision on whether it is right for you.

      I hope this helps.

      Cheers,
      Charisse

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