Miss Selfridge Mastercard review November 2019

Frequent Miss Selfridge shoppers can collect points to redeem in store or online.

The Miss Selfridge Mastercard lets you earn reward points on all your spending, and you’ll earn them at a higher rate when you use your card at any Arcadia brand.

Finder rating: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).

24.9%

Representative APR

£0

Account fee

Up to 1,000 points

Intro bonus

Earn 1 point

per £1 spent

Details

IssuerNewDay Ltd
NetworkMastercard
Annual/monthly fees£0
Balance transfers24.94%
Balance transfer fee5%
Purchases24.94%
Purchases interest-free periodUp to 56 days
Cash advances34.95%
Min. credit limit£500
Max credit limitNot specified
Additional cards available3
IncentiveEarn 2 points for every £1 spent at Miss Selfridge 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 for certain good credit actions.
Minimum Age18
ResidencyUK resident, lived in the UK for last 12 mths, current UK bank account, a home or mobile phone number and regular income
AvailabilityAvailable to new customers
Annual/monthly fees£0
Balance transfer fee5%
Foreign usage charge (EU)2.75%
Foreign usage charge (rest of world)2.75%
Cash advance fee3% (min. £3)
Late payment fee£12
Exceeding limit fee£12
Additional card fee£0
Dormancy fee£0

Expert review

Chris Lilly

Review by


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.

Expert review

The Miss Selfridge Mastercard can be used for spending both at Miss Selfridge and elsewhere – which means you can be collecting reward points when you’re filling up at the petrol station or doing your groceries, for example. As you might expect though, you’ll earn more points per pound when you shop with Arcadia brands.

There are a few crucial points to be aware of, however:

First off, if you carry a balance on this card from month to month (rather than clearing your balance in full), then what you pay in interest is likely to outweigh any rewards you’ll earn. If you do clear your balance in full every month, you should be able to avoid paying interest altogether.

Secondly, if you get approved for this card, the interest rate you’re offered may differ from the advertised representative APR – which card issuers are only obliged to award to 51% of their customers. New Day (the company that issues the card) will assess each applicant’s financial circumstances and credit history and offer a personalised credit limit and potentially a personalised rate too.

Finally, as part of the Arcadia group, Miss Selfridge very nearly vanished from high streets in June 2019, and its future remains far from assured. As such you may be reluctant to stockpile reward points.

But provided you’re aware of – and OK with – these factors, then used carefully, this card does offer appealing rewards to regular Arcadia group customers. What’s more, you can even bag some extra points just by signing up for “e-servicing” or setting up a direct debit for repayments – which points-or-no-points is a smart move – protecting you from late fees and damage to your credit score.

How does this card compare with other similar cards on the market?

Miss Selfridge’s card

Updated November 21st, 2019
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Rep. APR Incentive Representative example
1,000 points
2 points per £1 spent
1 point per £1 spent
£0
24.9% p.a. (variable)
Earn 2 points for every £1 spent at Miss Selfridge 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 for certain good credit actions.
Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).

Compare up to 4 providers

Other rewards cards

Table: sorted by representative APR, promoted deals first
Updated November 21st, 2019
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Rep. APR Incentive Representative example
2,500 points
2 points per £1 spent
1 point per £5 spent
£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).
500 points
1 point per £1 spent
1 point per £5 spent
£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).
5,000 points
1 point per £1 spent
1 point per £1 spent
£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).
5,000 points
1 point per £1 spent
1 point per £1 spent
£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).
£100
1% cashback
1% cashback
£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).
20,000 points
2 points per £1 spent
2 points per £1 spent
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).
£125
1.25% cashback
1.25% cashback
£25 per annum
28.2% p.a. (variable)
5% on £1 to £2500 of yearly spend for introductory period of 3 months. 1% on £1 to £10000 of yearly spend. 1.25% after £10001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback (max £125).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £25 per annum, your representative rate is 28.2% APR (variable).
30,000 points
6 points per £1 spent
3 points per £1 spent
£75 per annum
39.7% p.a. (variable)
Earn 30,000 points when you spend £1K within 3 months of account opening. Earn 3 points for virtually every £1 spent. Earn 6 points for every £1 of eligible purchases at participating SPG & Marriott Rewards hotels, until 31.12.2019.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £75 per annum, your representative rate is 39.7% APR (variable).

Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents 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 (0334 984 0263), 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 Miss Selfridge Mastercard

If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

Find a UK store credit card

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