Maximiles Credit Card review November 2019

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

Earn 1 point

per £1 spent

Details

IssuerCreation Financial Services
NetworkMastercard
Rep. APR17.9% p.a. (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
Updated November 16th, 2019
Name Product Purchases Annual/monthly fees Rep. APR Incentive Representative example
0% for 6 months reverting to 19.9%
£0
19.9% p.a. (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 or 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).
0% for 20 months reverting to 19.9%
£0
19.9% p.a. (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).
22.9%
£0
22.9% p.a. (variable)
Earn 5,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
22.9%
£0
22.9% p.a. (variable)
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel 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.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
22.9%
£0
22.9% p.a. (variable)
5% after £1 of yearly spend for introductory period of 3 months. 0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback in the first 3 months (max £100). Must spend £3K annually to earn cashback.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
22.9%
Year 1 - £0, Year 2 onwards - £25 per annum
28.2% p.a. (variable)
20,000 Nectar points when you spend £2K within 3 months of account opening. Earn 2 Nectar points for virtually every £1 spent at Nectar partners and elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 28.2% 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.

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.

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