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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: ★★★★★

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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).
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By

Chris Lilly

Updated

Fact checked

Earn 2 points

per £1 spent with select partners

Earn 1 point

per £2 spent elsewhere

Up to 1,000 points

Intro bonus

21.9%

Representative APR

Details

IssuerNewDay Ltd
NetworkMastercard
Representative APR21.9% APR (variable)
Annual/monthly fees£0
Loyalty schemePoints
IncentiveEarn 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 opening1000 bonus privilege points on first spend.
Additional Rewards InfoExclusive cardholder voucher booklet received with first statement. Exclusive offers and cardholder events. Complimentary copies of new season catalogues (subject to availability).
Purchases0% for 3 months reverting to 21.94%
Purchases interest-free period (days)56
Balance transfers0% for 12 months reverting to 21.94%
Potential costs★★★★★
Doing its job★★★★★
Extras★★★★★
Overall Finder rating★★★★★

Review by

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

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.

If, however, you’re just looking to spread the cost of a large expenditure, or to earn flexible rewards, you’ll find more specialised cards available from New Day (who issues this card) and others.

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.

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Comparison of store and rewards cards

Table: sorted by representative APR, promoted deals first
1 - 20 of 49
Updated daily
Name Product Purchases Annual/monthly fees Initial credit limits Representative APR Incentive Link
M&S Bank Shopping Plus Credit Card
M&S Bank Shopping Plus Credit Card
0% for 18 months reverting to 23.9%
£0
Min. limit £500, max. limit not specified.
23.9% APR (variable)
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).
Check eligibility
Read review
M&S Bank Credit Card Transfer Plus Offer Mastercard
M&S Bank Credit Card Transfer Plus Offer Mastercard
0% for 3 months reverting to 23.9%
£0
Min. limit £500, max. limit not specified.
23.9% APR (variable)
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).
Check eligibility
Read review
Royal Bank of Scotland Reward Credit Card
Royal Bank of Scotland Reward Credit Card
21.9%
£24 per annum. Reward or Reward Black Current Account holders: £0 per annum
Min. limit £250, max. limit not specified.
26.8% APR (variable)
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).
Go to site
Read review
NatWest Reward Credit Card
NatWest Reward Credit Card
21.9%
£24 per annum. Reward or Reward Black Current Account holders: £0 per annum
Min. limit £250, max. limit not specified.
26.8% APR (variable)
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).
Go to site
Read review
Santander All in One Credit Card
Santander All in One Credit Card
0% for 15 months reverting to 21.9%
£3 per month
Min. limit £500, max. limit not specified.
27.7% APR (variable)
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).
Check eligibility
Read review
American Express® Platinum Cashback Everyday Credit Card
Finder Award
American Express® Platinum Cashback Everyday Credit Card
29.7%
£0
Min. limit £700, max. limit not specified.
29.7% APR (variable)
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).
Check eligibility
Read review
The American Express Rewards® Credit Card
Finder Award
The American Express Rewards® Credit Card
29.7%
£0
Min. limit £500, max. limit not specified.
29.7% APR (variable)
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).
Check eligibility
Read review
British Airways American Express® Credit Card
Finder Award
British Airways American Express® Credit Card
29.7%
£0
Min. limit £700, max. limit not specified.
29.7% APR (variable)
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).
Check eligibility
Read review
American Express® Nectar Credit Card
Finder Award
American Express® Nectar Credit Card
29.7%
Year 1 - £0, Year 2 onwards - £25 per annum
Min. limit £700, max. limit not specified.
35.3% APR (variable)
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).
Check eligibility
Read review
American Express® Platinum Cashback Credit Card
Finder Award
American Express® Platinum Cashback Credit Card
29.7%
£25 per annum
Min. limit £700, max. limit not specified.
35.3% APR (variable)
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).
Check eligibility
Read review
NatWest Reward Black Credit Card
NatWest Reward Black Credit Card
21.9%
£84 per annum. Reward Black Current Account holders: £0 per annum
Min. limit £5,000, max. limit not specified.
40.7% APR (variable)
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).
Go to site
Read review
Royal Bank of Scotland Reward Black Credit Card
Royal Bank of Scotland Reward Black Credit Card
21.9%
£84 per annum. Reward Black Current Account holders: £0 per annum
Min. limit £5,000, max. limit not specified.
40.7% APR (variable)
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).
Go to site
Read review
The Marriott Bonvoy American Express Card
Finder Award
The Marriott Bonvoy American Express Card
29.7%
£75 per annum
Min. limit £700, max. limit not specified.
47.7% APR (variable)
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).
Check eligibility
Read review
American Express® Preferred Rewards Gold Credit Card
Finder Award
American Express® Preferred Rewards Gold Credit Card
29.7%
Year 1 - £0, Year 2 onwards - £160 per annum
Min. limit £700, max. limit not specified.
73.8% APR (variable)
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).
Check eligibility
Read review
British Airways American Express® Premium Plus Card
Finder Award
British Airways American Express® Premium Plus Card
29.7%
£250 per annum
Min. limit £700, max. limit not specified.
110.7% APR (variable)
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).
Check eligibility
Read review
Pulse Card Mastercard (existing NewDay customers only)
Pulse Card Mastercard (existing NewDay customers only)
Your interest rate will stay the same as your current NewDay card
£0
Min. limit not specified, max. limit not specified.
APR (variable)
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.
Read review
Tesco Bank Low APR Clubcard Credit Card
Tesco Bank Low APR Clubcard Credit Card
10.941%
£0
Min. limit £250, max. limit not specified.
10.9% 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 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).
Read review
MBNA Limited Platinum Visa
MBNA Limited Platinum Visa
12.94%
£0
Min. limit not specified, max. limit not specified.
12.9% APR (variable)
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).
Read review
The Co-operative Bank Members' Credit Card Visa
The Co-operative Bank Members' Credit Card Visa
18.2%
£0
Min. limit £500, max. limit not specified.
18.2% 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 18.2% (variable) p.a., your representative rate is 18.2% APR (variable).
Read review
AIB Options 1 Credit Card
AIB Options 1 Credit Card
18.9%
£0
Min. limit £500, max. limit not specified.
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).
Read review
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1 - 11 of 11
Updated daily
Name Product Annual/monthly fees Purchases Representative APR Link Cashback details Representative example
Santander All in One Credit Card
Santander All in One Credit Card
£3 per month
0% for 15 months reverting to 21.9%
27.7%
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).
American Express® Platinum Cashback Everyday Credit Card
Finder Award
American Express® Platinum Cashback Everyday Credit Card
£0
29.7%
29.7%
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).
American Express® Platinum Cashback Credit Card
Finder Award
American Express® Platinum Cashback Credit Card
£25 per annum
29.7%
35.3%
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).
Pulse Card Mastercard (existing NewDay customers only)
Pulse Card Mastercard (existing NewDay customers only)
£0
Your interest rate will stay the same as your current NewDay card
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.
MBNA Limited Platinum Visa
MBNA Limited Platinum Visa
£0
12.94%
12.9%
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).
AIB Options 1 Credit Card
AIB Options 1 Credit Card
£0
18.9%
18.9%
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).
smile Classic Credit Card
smile Classic Credit Card
£0
19.9%
19.9%
Read review
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).
Halifax Cashback Credit Card Mastercard
Halifax Cashback Credit Card Mastercard
£0
22.94%
22.9%
Read review
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 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).
Barclaycard Rewards Visa
Barclaycard Rewards Visa
£0
25.9%
25.9%
Read review
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 25.9% (variable) p.a., your representative rate is 25.9% APR (variable).
Vitality American Express® Credit Card (Vitality Members only)
Finder Award
Vitality American Express® Credit Card (Vitality Members only)
£0 (but £4.75 fee for the Vitality programme)
29.7%
45.4%
Read review
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 29.7% (variable) p.a. with a fee of £6.5 per month, your representative rate is 45.4% APR (variable).
Santander World Elite Mastercard
Santander World Elite Mastercard
£15 per month
0% for 18 months reverting to 18.9%
49.8%
Read review
0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. 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 £15 per month, your representative rate is 49.8% APR (variable).
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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.

Repayment options

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).

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2 Comments

    Default Gravatar
    Abul
    September 17, 2018

    How to apply for this card?

    Reply
      Avatarfinder Customer Care
      Jhezelyn
      September 18, 2018

      Hello Abul,

      Thank you for your comment.

      You can apply for the Laura Ashley Mastercard online which typically takes around 15 minutes. Before you apply, you may want 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).

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

      Reply
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