Evans credit card review

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

The Evans 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.

Finder rating: ★★★★★

Potential costs: 3/5
Doing its job: 3.5/5
Extras: 3/5

In a nutshell:

Double reward points apply at all Arcadia Group stores.

There’s definitely more competitive rates available elsewhere.

No reviews yet. Write a review

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).

Chris Lilly

Updated

Apr 8, 2021

Fact checked

29.9%

Representative APR

£0

Account fee

Up to 1,000 points

Intro bonus

Earn 1 point

per £1 spent

Details

Issuer	NewDay Ltd
Network	Mastercard
Representative APR	29.9% APR (variable)
Annual/monthly fees	£0
Loyalty scheme	Points
Incentive	Earn 2 points for every £1 spent at Evans 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 opening	1000 bonus points on account opening and 20% off purchases made within 7 days of account opening.
Additional Rewards Info	Exclusive sales and discount events.
Purchases	29.95%
Purchases interest-free period (days)	56
Balance transfers	29.95%
Potential costs	★★★★★
Doing its job	★★★★★
Extras	★★★★★
Overall Finder rating	★★★★★

Minimum monthly payment	1% or £5 (whichever is greater) or the total of any interest, default fees and charges plus 1% of the outstanding balance.
Annual/monthly fees	£0
Balance transfer fee	5%
Foreign usage charge (EU)	2.75%
Foreign usage charge (rest of world)	2.75%
Cash advance fee	3% (min. £3)
Late payment fee	£12
Exceeding limit fee	£12
Additional card fee	£0
Dormancy fee	£0

Minimum Age	18
Residency	UK resident, lived in the UK for last 12 mths, current UK bank account, a home or mobile phone number and regular income
Availability	Available to new customers

Review by

Chris Lilly

chris.lilly@finder.com

Chris Lilly is a publisher at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.

Expert review

If you’re a regular Evans customers, this reward credit card lets you earn double points on all Evans purchases, as well as any purchases at other Arcadia Group stores like Dorothy Perkins, Topshop and Wallis.

This means you’ll get 2 points for every £1 spent, and your points will be converted into Arcadia Group vouchers every 3 months, at a rate of 500 points to £5.

But while the reward scheme could represent good value for those who love the aforementioned stores, for everyone else, the high interest rate could be a bit of a turnoff.

M&S Bank Shopping Plus Credit Card

0% on balance transfers for 15 months
0% on purchases for 18 months
No annual fee

Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).

Check eligibility
More Info

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

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M&S Bank Shopping Plus Credit Card M&S Bank Shopping Plus Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	N/A	1 point per £1 spent	1 point per £5 spent	£0	23.9% 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 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard M&S Bank Credit Card Transfer Plus Offer Mastercard		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	N/A	1 point per £1 spent	1 point per £5 spent	£0	23.9% 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 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Credit Card Royal Bank of Scotland Reward Credit Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	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)	Go to site 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 NatWest Reward Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	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)	Go to site 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...
Santander All in One Credit Card Santander All in One Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	N/A	0.5% cashback	0.5% cashback	£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 American Express® Platinum Cashback Everyday Credit Card Finder Award		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£100	1% cashback	1% cashback	£0	29.7% 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 29.7% (variable) p.a., your representative rate is 29.7% APR (variable).	Compare	loading Fetching your data...
The American Express Rewards® Credit Card The American Express Rewards® Credit Card Finder Award		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	10,000 points	1 point per £1 spent	1 point per £1 spent	£0	29.7% APR (variable)	Check eligibility Read review	Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1000 points) to shop, other rewards have differing conversions	Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a., your representative rate is 29.7% APR (variable).	Compare	loading Fetching your data...
British Airways American Express® Credit Card British Airways American Express® Credit Card Finder Award		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	5,000 points	1 point per £1 spent	1 point per £1 spent	£0	29.7% APR (variable)	Check eligibility Read review	Earn 1 Avios for virtually every £1 spent. Spend £12K each year and get a travel companion voucher when redeeming Avios for a BA reward flight. - Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme. Avios value varies dependent on reward (min 1000pts for flights)	Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a., your representative rate is 29.7% APR (variable).	Compare	loading Fetching your data...
American Express® Nectar Credit Card American Express® Nectar Credit Card Finder Award		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	20,000 points	3 points per £1 spent	2 points per £1 spent	Year 1 - £0, Year 2 onwards - £25 per annum	35.3% 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 29.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 35.3% APR (variable).	Compare	loading Fetching your data...
American Express® Platinum Cashback Credit Card American Express® Platinum Cashback Credit Card Finder Award		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£125	1.25% cashback	1.25% cashback	£25 per annum	35.3% 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 29.7% (variable) p.a. with a fee of £25 per annum, your representative rate is 35.3% APR (variable).	Compare	loading Fetching your data...
NatWest Reward Black Credit Card NatWest Reward Black Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	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)	Go to site 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 Royal Bank of Scotland Reward Black Credit Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	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)	Go to site 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...
OFFER The Marriott Bonvoy American Express Card The Marriott Bonvoy American Express Card Finder Award	OFFER	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	40,000 points	6 points per £1 spent	2 points per £1 spent	£75 per annum	47.7% APR (variable)	Check eligibility Read review	Earn 6 points for every £1 spent at eligible Marriott properties. Earn 2 points for virtually every £1 spent elsewhere. Earn up to 90,000 bonus points per year through refer a friend, 9,000 points awarded for every friend approved. Points can be redeemed for hotel stays of varying values (min 15000pts)	Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of £75 per annum, your representative rate is 47.7% APR (variable).	Compare	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card American Express® Preferred Rewards Gold Credit Card Finder Award		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	20,000 points	3 points per £1 spent	1 point per £1 spent	Year 1 - £0, Year 2 onwards - £160 per annum	73.8% APR (variable)	Check eligibility Read review	2 points earned per £1 spent on travel related purchases and spending abroad. 3 points for every £1 spent when booking through American Express Travel.	Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £160 per annum, your representative rate is 73.8% APR (variable).	Compare	loading Fetching your data...
British Airways American Express® Premium Plus Card British Airways American Express® Premium Plus Card Finder Award		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	25,000 points	3 points per £1 spent	1.5 points per £1 spent	£250 per annum	110.7% APR (variable)	Check eligibility Read review	Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Terms apply. 18+, subject to status. New Cardmembers Only	Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of £250 per annum, your representative rate is 110.7% APR (variable).	Compare	loading Fetching your data...
Pulse Card Mastercard (existing NewDay customers only) Pulse Card Mastercard (existing NewDay customers only)		Not yet rated	Not yet rated	Not yet rated	N/A	1 point per £4 spent	1 point per £4 spent	£0	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...
Tesco Bank Low APR Clubcard Credit Card Tesco Bank Low APR Clubcard Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	N/A	1.25 points per £1 spent	1 point per £8 spent	£0	10.9% 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 an enhanced rate of 1 point per £1 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. 1 point = 1p (min 250pts)	Representative example: When you spend £1,200 at a purchase rate of 10.941% (variable) p.a., your representative rate is 10.9% APR (variable).	Compare	loading Fetching your data...
MBNA Limited Platinum Visa MBNA Limited Platinum Visa		User survey ★★★★★	Not yet rated	★★★★★ User rating	N/A	0.25% cashback	0.25% cashback	£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...
The Co-operative Bank Members' Credit Card Visa The Co-operative Bank Members' Credit Card Visa		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	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 AIB Options 1 Credit Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£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...

Approval for any credit card depends 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 Evans, the group includes:

Burton
Dorothy Perkins
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 2514). 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 for the Evans Mastercard

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

Find a UK store credit card

Argos

Burton

Evans

House of Fraser

Karen Millen

Laura Ashley

Miss Selfridge

Outfit

Wallis

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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2 Comments

Karen
January 26, 2020

Hi I have a Evans master card, can I use this in supermarkets or can I just use on line shopping?

finder Customer Care

Tom
January 27, 2020

Hi Karen,

Thanks for your question. You can use your Evans credit card anywhere that accepts Mastercard. This includes supermarkets and online shopping. You can also earn reward points for any purchases you make using your card at Evans stores, or any other Arcadia Group store, or online.

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

Regards,

Tom

Evans credit card review

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

Details

Chris Lilly

Expert review

M&S Bank Shopping Plus Credit Card

Pros and cons

Pros

Cons

Other reward cards

The Arcadia Group? What’s that?

Repayment options

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

How to apply for the Evans Mastercard

Find a UK store credit card

Ask an expert

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