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.
Topshop Mastercard review 2020
The Topshop Mastercard is geared towards loyal Topshop customers with bonus reward points, same-day shopping credit and a dedicated app.
Finder rating: ★★★★★
Doing its job: 4/5
In a nutshell:
Up to 1,500 points
Earn 1 point
per £1 spent
|Balance transfer fee||5%|
|Purchases interest-free period||Up to 56 days|
|Min credit limit||£500|
|Max credit limit||Not specified|
|Additional cards available||4|
|Incentive||Earn 2 points for every £1 spent at Topshop and other Arcadia Group stores and online, and 1 point for every £1spent elsewhere. Bonus 500 points on second Topshop purchase which equals a £5 voucher.|
|Residency||UK resident, lived in the UK for last 12 mths, current UK bank account, a home or mobile phone number and regular income|
|Availability||Available to new customers|
|Balance transfer fee||5%|
|Foreign usage charge (EU)||2.75%|
|Foreign usage charge (rest of world)||2.75%|
|Cash advance fee||3% (min. £3)|
|Late payment fee||£12|
|Exceeding limit fee||£12|
|Additional card fee||£0|
Tom Stelzer is a writer for Finder specialising in personal finance, including loans and credit, as well as small business and business loans. He has previously worked as a freelance writer covering entertainment, culture and football for publications like FourFourTwo and Man of Many. He has a Master of Media Arts and Production and Bachelor of Communications in Journalism from the University of Technology Sydney.
If you’re a Topshop fanatic and looking for a credit card that will give you the most bang for your shopping buck, it’s definitely worth taking a look at this card.
Along with up to £15 in Topshop gift cards when you open your account, you can also earn double points on all Topshop and other Arcadia brand purchases. You can also apply online for same-day shopping credit that you can then use on the Topshop website.
While the purchase rate and cash advance rate are nothing to write home about, the Topshop Mastercard has no annual or monthly fees, and offers up to 56 days interest-free.
But if you’re a responsible spender, and Topshop is your go-to clothing store, then you may find the Topshop Mastercard helps stretch your shopping budget even further.
How does this card compare with other similar cards on the market?
Other rewards cards
When it comes to repayments, you can make manual repayments online or over the phone (0333 220 2507), 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 Topshop 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.