Owls Mastercard review November 2019

Enjoy discounts on Owls merchandise with this credit card designed for the club's most passionate supporters.

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).

18.9%

Representative APR

£0

Account fee

6 months

0% interest on balance transfers

Details

IssuerCreation Financial Services
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 6 months reverting to 18.9%
Balance transfer fee5% (min. £5)
Purchases18.9%
Purchases interest-free periodUp to 50 days
Cash advances27.9%
Min. credit limit£100
Max credit limitNot specified
Additional cards available1
Incentive10% discount in the Owls Megastore, 2 for 1 match ticket after the first three spends on your Owls Mastercard, away ticket priority and 0% Season Ticket Offer - details throughout the season..

With its remarkable series of perks, this credit card is obviously meant for Sheffield Wednesday fans, but it’s also well-equipped to compete with the rest of the credit card market.

It comes with 50 days of 0% interest on your purchases each billing cycle and no annual fee. So, provided that you pay off all your debt every month, it’ll be 100% for free.

Moreover, if you have a residual balance on another card that you’re paying pricey interest on, you can transfer it to this one and enjoy a 6-month interest-free period. However, there is a balance transfer fee of 5% (min. £5) to consider. Always keep in mind if you don’t clear your balance in full by the end of the introductory period, any outstanding balance will start to accrue interest at the card’s standard rate.

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.

How does this card compare with other team-affiliated cards?

Table: sorted by representative APR, promoted deals first
Updated November 14th, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
0% for 6 months reverting to 17.9%
0% for 6 months reverting to 17.9%
£0
17.9% p.a. (variable)
A one-off payment to Rugby Club/school of choice plus percentage of annual turnover.
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).
18.9%
0% for 6 months reverting to 18.9%
£0
18.9% p.a. (variable)
Free matchday programme offer after the first 3 spends, exclusive monthly prize draws to win hospitality box tickets, signed merchandise and more.
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).
18.9%
0% for 6 months reverting to 18.9%
£0
18.9% p.a. (variable)
10% discount in the Owls Megastore, 2 for 1 match ticket after the first three spends on your Owls Mastercard, away ticket priority and 0% Season Ticket Offer - details throughout the season..
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).
18.9%
0% for 6 months reverting to 18.9%
£0
18.9% p.a. (variable)
Free meet and greet signing sessions once card activated, 0% Season Ticket Offer - details throughout the season.
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.

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

How to apply for the Owls Mastercard

You can apply for this credit card online and if you have all the documents ready it shouldn’t take more than 10–15 minutes. Check the eligibility criteria first so you don’t waste your time on a pointless application.

Here’s what you’re going to need:

  • Your personal details. Including address history and bank details.
  • Your employment details. Including name and address of your employer.
  • Your financial details. Monthly income after tax and monthly payment amount for your rent or mortgage.

If you’re planning to do a balance transfer, you’ll also need the details of your old card. The application process starts with a “soft check” that will tell you how likely you are to be accepted, with no impact on 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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