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.
Laura Ashley Mastercard review
This card is no longer available, but you can use this page to compare alternatives.
As of April 2020, this 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 which you might be interested in.
Finder rating: ★★★★★
Doing its job: 3.5/5
In a nutshell:
Earn 2 points
per £1 spent with select partners
Earn 1 point
per £2 spent elsewhere
Up to 1,000 points
|Representative APR||21.9% APR (variable)|
|Incentive||Earn 2 privilege points for every £1 spent at Laura Ashley, and 1 privilege point for every £2 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly.|
|Incentive on opening||1000 bonus privilege points on first spend.|
|Additional Rewards Info||Exclusive cardholder voucher booklet received with first statement. Exclusive offers and cardholder events. Complimentary copies of new season catalogues (subject to availability).|
|Purchases||0% for 3 months reverting to 21.94%|
|Purchases interest-free period (days)||56|
|Balance transfers||0% for 12 months reverting to 21.94%|
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.
To get the most out of the Laura Ashley Mastercard, you’ll want to be a regular shopper with the brand and you’ll want to clear your balance in full each month. If that does sound like you, then you could stand to reap some tasty introductory and ongoing rewards.
Perks of this card include a 0% interest period of 12 months on existing card debt that you transfer to the new card, a 0% interest period of 3 months from account opening on purchases, a welcome bonus of a lump sum of points, access to exclusive events and offers and an exclusive cardholder voucher booklet with your first statement.
You’ll earn Privilege Points every time you use the Laura Ashley Mastercard, but as you might expect, you’ll earn them at a better rate when you use your card to spend with Laura Ashley. Once a quarter, your points get converted into vouchers and sent out with your statement, for you to redeem against luxury homewares, fashion or whatever takes your fancy.
Comparison of store and rewards cards
When it comes to repayments, you can make manual repayments online or over the phone (0333 220 2529), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee 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 Laura Ashley Mastercard
It’s straightforward to apply for the Laura Ashley Mastercard online, and it typically takes around 15 minutes. Before you apply, it’s a smart idea to use Laura Ashley’s eligibility checker to find out if you’re likely to be approved, without affecting your credit rating (and before completing a full application).