Miss Selfridge credit card review

Last updated:  

This card is no longer available, but you can use our review to find alternatives.

The Miss Selfridge credit 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 from other issuers.

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
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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.

The Miss Selfridge credit card is issued on the Mastercard network so it's accepted at nearly 53 million merchants across more than 210 countries and territories.

M&S Bank Shopping Plus Credit Card

M&S Bank Shopping Plus Credit Card

  • 0% on balance transfers for 20 months
  • 0% on purchases for 20 months
  • No annual fee

Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).

Promoted

Pros and cons

Pros

  • Applicants with low credit scores may be eligible
  • Earn points on day-to-day spending
  • Up to 1,000 points introductory bonus
  • No annual fee

Cons

  • Relatively high balance transfer fee

Other reward cards

Table: sorted by representative APR, promoted deals first
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Rep. APR Link Incentive Representative example
M&S Bank Reward Plus Mastercard
500 points
2 points per £1 spent
1 point per £5 spent
£0
19.9% (variable)
Check eligibility
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 Transfer Plus Mastercard
500 points
1 point per £1 spent
1 point per £5 spent
£0
21.9% (variable)
Check eligibility
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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
M&S Bank Shopping Plus Credit Card
500 points
1 point per £1 spent
1 point per £5 spent
£0
21.9% (variable)
Check eligibility
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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
American Express Platinum Cashback Everyday Card
£100
1% cashback
1% cashback
£0
22.2% (variable)
Check eligibility
New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership. Cashback earn rates will change from the 4 August.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
American Express Rewards Credit Card
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
22.2% (variable)
Check eligibility
As a new Cardmember, earn 5,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
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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.

The Arcadia Group? What’s that?

Arcadia Group Ltd. is a British retailing company which owns a number of UK high-street staples (listed below). With over 2,500 stores and employing more than 20,000 staff, it’s often hit the headlines – for both good and bad reasons. As well as Burton, the group includes:

  • Dorothy Perkins
  • Evans
  • Miss Selfridge
  • Topman
  • Topshop
  • Wallis

Repayment options

You can make manual repayments through NewDay Ltd's app, by logging in to your online banking or over the phone (0334 984 0263). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) 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

Sorry – NewDay Ltd is no longer accepting applications for this card. However you may wish to consider one of the alternatives listed above.

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