Maximiles Credit Card review July 2020

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Earn more Maximiles points and get your rewards faster with this credit card.

Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).

17.9%

Representative APR

£0

Account fee

Up to 5,000 points

Intro bonus

9 months

0% interest on balance transfers

Details

IssuerCreation Financial Services
NetworkMastercard
Rep. APR17.9% (variable)
Annual/monthly fees£0
Loyalty schemeMaximiles points
IncentiveEarn 1 Maximiles point for every £1 spent. 5000 bonus points when you make your first card purchase.
Purchases0% for 3 months reverting to 17.9%
Purchases interest-free period (days)50
Balance transfers0% for 9 months reverting to 17.9%
Maximiles is an online rewards programme which you earn loyalty points for by completing online surveys and shopping at a wide range of retailers. You can then redeem them for a selection of rewards, from electronics to beauty products.

If you’re a bit of a (digital) shopaholic, this credit card can offer you monthly credit and a big boost to your Maximiles point balance, without any annual fee.

The introductory 0% for 3 months reverting to 17.9% on purchases makes shopping even more appealing, but don’t forget to clear your balance before the 0% period is over, as it will then start to accrue interest at the card’s standard rate.

However, even at that point you’ll be able to enjoy some flexibility – up to 50 interest-free days for each billing cycle, provided you pay off your bill in full every month.

If you’re considering transferring the balance you have on another credit card to this one, be aware there’s a balance transfer fee of 5% (min. £5). You won’t be charged any interest on your balance for the first 9 months.

As this card is on the Mastercard network, it’s accepted in more than 40 million locations worldwide. You’ll also be able to enjoy access to Priceless Cities experiences.

Compare popular rewards credit cards

Table: sorted by representative APR, promoted deals first
Data indicated here is updated daily
Name Product Purchases Annual/monthly fees Rep. APR Link Incentive Representative example
M&S Bank Reward Plus Mastercard
0% for 6 months reverting to 19.9%
£0
19.9% (variable)
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 Mastercard
0% for 20 months reverting to 19.9%
£0
19.9% (variable)
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).
Maximiles Mastercard
0% for 3 months reverting to 17.9%
£0
17.9% (variable)
Earn 1 Maximiles point for every £1 spent. 5000 bonus points when you make your first card purchase.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
The Co-operative Bank Members' Credit Card Visa
18.3%
£0
18.3% (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).
HSBC Premier Credit Card Mastercard
0% for 9 months reverting to 18.9%
£0
18.9% (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).
John Lewis and Waitrose Partnership Mastercard
0% for 9 months reverting to 18.9%
£0
18.9% (variable)
Earn 1 point for every £1 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £2 spent elsewhere. Earn double points on selected insurances taken out through John Lewis Financial Services. 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).
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Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0371 376 9214), 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.

If you’re planning on making a large purchase or balance transfer when you open the card, you can divide the cost of these by three (for purchases) or nine (for balance transfers) and set up a direct debit for this amount. This will ensure your balance is cleared before you have to begin paying interest on your debt (assuming you don’t use the credit card to fund any more purchases).

Choose from the following direct debit options for your monthly repayments:
Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Maximiles Credit Card

Unsurprisingly for a card dedicated to online shopping, you can apply online. You’ll need to provide the following:

  • Address history of the last three years
  • Bank details
  • Your employer’s details
  • You financial details, such as your monthly income and the amount you pay for your mortgage or rent

Before applying, you’ll be able to check your eligibility: you’ll be asked to fill in a form with your data and will be told how likely you are to be accepted without impacting your credit score.

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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