Topshop credit card review

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

The Topshop 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: ★★★★★

Potential costs: 3.5/5
Doing its job: 4/5
Extras: 4/5

In a nutshell:

Rewards regular Topshop customers

More competitive rates available

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).

Tom Stelzer

Last Updated Dec 14, 2020

24.9%

Representative APR

£0

Account fee

Up to 1,500 points

Intro bonus

Earn 1 point

per £1 spent

Details

Issuer	NewDay Ltd
Network	Mastercard
Annual/monthly fees	£0
Balance transfers	24.94%
Balance transfer fee	5%
Purchases	24.94%
Purchases interest-free period	Up to 56 days
Cash advances	34.95%
Maximum credit limit	Subject to status
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.

Minimum Age	18
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

Annual/monthly fees	£0
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
Dormancy fee	£0

Review by

Tom Stelzer

tom.stelzer@finder.com

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.

Expert review

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.

M&S Bank Shopping Plus Credit Card

0% on balance transfers for 15 months
0% on purchases for 18 months
No annual fee

Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).

Check eligibility
More Info

Pros and cons

Pros

Earn points on day-to-day spending
Up to 1,500 points introductory bonus
No annual fee

Cons

Relatively high balance transfer fee

Other reward cards

Table: sorted by representative APR, promoted deals first

Name	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
M&S Bank Shopping Plus Credit Card Finder Award	N/A	1 point per £1 spent	1 point per £5 spent	£0	23.9% APR (variable)	Check eligibility Read review	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard Finder Award	N/A	1 point per £1 spent	1 point per £5 spent	£0	23.9% APR (variable)	Check eligibility Read review	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Credit Card	N/A	1 point per £1 spent	1 point per £4 spent	£24 per annum. Reward or Reward Black Current Account holders: £0 per annum	26.8% APR (variable)	Go to site Read review	Earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 26.8% APR (variable).	Compare	loading Fetching your data...
NatWest Reward Credit Card	N/A	1 point per £1 spent	1 point per £4 spent	£24 per annum. Reward or Reward Black Current Account holders: £0 per annum	26.8% APR (variable)	Go to site Read review	You'll earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 26.8% APR (variable).	Compare	loading Fetching your data...
Santander All in One Credit Card	N/A	0.5% cashback	0.5% cashback	£3 per month	27.7% APR (variable)	Check eligibility Read review	0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £3 per month, your representative rate is 27.7% APR (variable).	Compare	loading Fetching your data...
American Express® Platinum Cashback Everyday Credit Card Finder Award	£100	1% cashback	1% cashback	£0	28.8% APR (variable)	Check eligibility Read review	New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.	Representative example: When you spend £1,200 at a purchase rate of 28.8% (variable) p.a., your representative rate is 28.8% APR (variable).	Compare	loading Fetching your data...
The American Express Rewards® Credit Card Finder Award	10,000 points	1 point per £1 spent	1 point per £1 spent	£0	28.8% APR (variable)	Check eligibility Read review	Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1000 points) to shop, other rewards have differing conversions	Representative example: When you spend £1,200 at a purchase rate of 28.8% (variable) p.a., your representative rate is 28.8% APR (variable).	Compare	loading Fetching your data...
British Airways American Express® Credit Card Finder Award	5,000 points	1 point per £1 spent	1 point per £1 spent	£0	28.8% APR (variable)	Check eligibility Read review	New Cardmember Offer: Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of account opening. Terms Apply	Representative example: When you spend £1,200 at a purchase rate of 28.8% (variable) p.a., your representative rate is 28.8% APR (variable).	Compare	loading Fetching your data...
American Express® Platinum Cashback Credit Card Finder Award	£125	1.25% cashback	1.25% cashback	£25 per annum	34.3% APR (variable)	Check eligibility Read review	New cardmember offer: Get 5% cashback on your purchases (up to £125) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases.	Representative example: When you spend £1,200 at a purchase rate of 28.8% (variable) p.a. with a fee of £25 per annum, your representative rate is 34.3% APR (variable).	Compare	loading Fetching your data...
American Express® Nectar Credit Card Finder Award	20,000 points	3 points per £1 spent	2 points per £1 spent	Year 1 - £0, Year 2 onwards - £25 per annum	34.3% APR (variable)	Check eligibility Read review	Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.	Representative example: When you spend £1,200 at a purchase rate of 28.8% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 34.3% APR (variable).	Compare	loading Fetching your data...
NatWest Reward Black Credit Card	N/A	1 point per £1 spent	1 point per £2 spent	£84 per annum. Reward Black Current Account holders: £0 per annum	40.7% APR (variable)	Go to site Read review	You'll earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Black Credit Card	N/A	1 point per £1 spent	1 point per £2 spent	£84 per annum. Reward Black Current Account holders: £0 per annum	40.7% APR (variable)	Go to site Read review	Earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).	Compare	loading Fetching your data...
The Marriott Bonvoy American Express Card Finder Award	20,000 points	6 points per £1 spent	2 points per £1 spent	£75 per annum	46.6% APR (variable)	Check eligibility Read review	Earn 6 points for every £1 spent at eligible Marriott properties. Earn 2 points for virtually every £1 spent elsewhere. Earn up to 90,000 bonus points per year through refer a friend, 9,000 points awarded for every friend approved. Points can be redeemed for hotel stays of varying values (min 15000pts)	Representative example: When you spend £1,200 at a purchase rate of 28.8% (variable) p.a. with a fee of £75 per annum, your representative rate is 46.6% APR (variable).	Compare	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award	20,000 points	3 points per £1 spent	1 point per £1 spent	Year 1 - £0, Year 2 onwards - £160 per annum	72.4% APR (variable)	Check eligibility Read review	2 points earned per £1 spent on travel related purchases and spending abroad. 3 points for every £1 spent when booking through American Express Travel.	Representative example: When you spend £1,200 at a purchase rate of 28.8% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £160 per annum, your representative rate is 72.4% APR (variable).	Compare	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award	25,000 points	3 points per £1 spent	1.5 points per £1 spent	£250 per annum	108.9% APR (variable)	Check eligibility Read review	Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Terms apply. 18+, subject to status. New Cardmembers Only	Representative example: When you spend £1,200 at a purchase rate of 28.8% (variable) p.a. with a fee of £250 per annum, your representative rate is 108.9% APR (variable).	Compare	loading Fetching your data...
Pulse Card Mastercard (existing NewDay customers only)	N/A	1 point per £4 spent	1 point per £4 spent		APR (variable)	Read review	Get 0.25% cashback every time you shop, up to a maximum of £150 cashback per year	If you are a current NewDay customer and have been invited to transfer to a Pulse Card, your interest rate and credit limit will remain the same.	Compare	loading Fetching your data...
Tesco Bank Low APR Clubcard Credit Card	N/A	1.25 points per £1 spent	1 point per £8 spent	£0	10.9% APR (variable)	Read review	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and an enhanced rate of 1 point per £1 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. 1 point = 1p (min 250pts)	Representative example: When you spend £1,200 at a purchase rate of 10.941% (variable) p.a., your representative rate is 10.9% APR (variable).	Compare	loading Fetching your data...
MBNA Limited Platinum Visa	N/A	0.25% cashback	N/A	£0	12.9% APR (variable)	Read review	0.25% after £1 of yearly spend. Cashback paid January into Card Account. Earn 0.25% cashback on purchases within the first 36 months of account opening. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 12.94% (variable) p.a., your representative rate is 12.9% APR (variable).	Compare	loading Fetching your data...
The Co-operative Bank Members' Credit Card Visa	N/A	1 point per £2 spent	1 point per £3.33 spent	£0	18.2% APR (variable)	Read review	1p earned for every £2 spent in The Co-operative Food stores (excluding in-store concessions) and 1p earned for every £3.33 spent anywhere else. Cashback will be added to your share of the Group profits and this will be paid to you twice a year.	Representative example: When you spend £1,200 at a purchase rate of 18.2% (variable) p.a., your representative rate is 18.2% APR (variable).	Compare	loading Fetching your data...
AIB Options 1 Credit Card	£25	0.5% cashback	0.5% cashback	£0	18.9% APR (variable)	Read review	0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent.	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).	Compare	loading Fetching your data...

Approval for any credit card will depend on your status. The representative APRs shown represent 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

You can make manual repayments through NewDay Ltd's app by logging in to your online banking or over the phone (0333 220 2507). 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 for the Topshop Mastercard

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

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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