Wallis credit card review

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

The Wallis 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: 3.5/5
Extras: 4/5

In a nutshell:

You’ll get bonus introductory points, and other exclusive offers.

Unsurprisingly, double reward points only apply at Arcadia Group stores.

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Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).

Chris Lilly

Last Updated Apr 9, 2021

29.9%

Representative APR

£0

Account fee

Up to 1,000 points

Intro bonus

Earn 1 point

per £1 spent

Details

Issuer	NewDay Ltd
Network	Mastercard
Representative APR	29.9% APR (variable)
Annual/monthly fees	£0
Loyalty scheme	Points
Incentive	Earn 2 points for every £1 spent at Wallis 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 treat in birthday month.
Incentive on opening	1,000 bonus points on account opening.
Additional Rewards Info	Exclusive sales and discount events.
Purchases	29.95%
Purchases interest-free period (days)	56
Balance transfers	29.95%

Annual/monthly fees	£0
Minimum monthly payment	1% or £5 (whichever is greater) or the total of any interest, default fees and charges plus 1% of the outstanding balance.
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

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

Review by

Chris Lilly

chris.lilly@finder.com

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

If you find yourself doing a fair percentage of your shopping at Wallis or other Arcadia Group stores, then the Walls Mastercard could represent decent value.

The introductory points offer is also attractive, but naturally reward points can only be redeemed for Arcadia Group vouchers, which are issued on a quarterly basis.

Beyond the reward scheme, the representative APR is arguably slightly higher than average, but there’s no annual fee, and you’ll get a fairly standard interest-free period on purchases (up to 56 days).

M&S Bank Shopping Plus Credit Card

0% on balance transfers for 24 months
0% on purchases for 24 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).

Check eligibility
More Info

Pros and cons

Pros

Earn points on day-to-day spending
Up to 1,000 points introductory bonus
No annual fee

Cons

A relatively high interest rate on purchases
Applicants with low credit scores are unlikely to be eligible
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 Credit Card Rewards Offer Mastercard	N/A	2 points per £1 spent	1 point per £5 spent	£0	19.9% APR (variable)	Check eligibility Read review	Double points on spend in M&S for first year (2 points per £1). Then 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 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card	N/A	1 point per £1 spent	1 point per £5 spent	£0	21.9% APR (variable)	Check eligibility Read review	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).	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard	N/A	1 point per £1 spent	1 point per £5 spent	£0	21.9% 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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Santander All in One Credit Card	N/A	0.5% cashback	0.5% cashback	£3 per month	24.7% 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 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).	Compare	loading Fetching your data...
American Express Platinum Cashback Everyday Card Finder Award	£100	1% cashback	1% cashback	£0	25.3% APR (variable)	Go to site Read review	New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership and an extra £20 bonus cashback. Offer ends 6 July 2022. Terms and minimum spend 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 25.3% (variable) p.a., your representative rate is 25.3% APR (variable).	Compare	loading Fetching your data...
American Express Rewards Credit Card Finder Award	10,000 points	1 point per £1 spent	1 point per £1 spent	£0	25.3% APR (variable)	Check eligibility Read review	As a new Cardmember, earn 10,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership. Earn 1 point for every £1 spent thereafter.	Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a., your representative rate is 25.3% 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	25.3% APR (variable)	Go to site Read review	Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership. New Cardmembers Only. Earn 1 Avios for virtually every £1 spent. Spend £12,000 annually and get a travel companion voucher when redeeming Avios for a BA reward flight. Terms Apply	Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a., your representative rate is 25.3% APR (variable).	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Credit Card (existing customers only)	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)	Check eligibility Read review	1% Rewards earned on supermarket spend and 0.25% at their petrol stations, at least 1-15% Rewards earned at MyRewards retailers and 0.25% everywhere else when shopping at home and abroad.	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 (existing customers only)	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)	Check eligibility Read review	1% Rewards earned on supermarket spend and 0.25% at their petrol stations, at least 1-15% Rewards earned at MyRewards retailers and 0.25% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities.	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...
American Express Platinum Cashback Card Finder Award	£125	1.25% cashback	1.25% cashback	£25 per annum	30.7% 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 and an extra £35 bonus cashback. Offer ends 6 July 2022. Terms and minimum spend 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 25.3% (variable) p.a. with a fee of £25 per annum, your representative rate is 30.7% APR (variable).	Compare	loading Fetching your data...
The 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	30.7% 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 25.3% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 30.7% APR (variable).	Compare	loading Fetching your data...
NatWest Reward Black Credit Card (existing customers only)	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)	Check eligibility Read review	1% Rewards earned on supermarket spend and 0.5% at their petrol stations, at least 1-15% Rewards earned at MyRewards retailers and 0.5% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities.	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 (existing customers only)	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)	Check eligibility Read review	1% Rewards earned on supermarket spend and 0.5% at their petrol stations, at least 1-15% Rewards earned at MyRewards retailers and 0.5% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed.	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	42.6% APR (variable)	Check eligibility Read review	New Cardmember offer: Earn 20,000 points when you spend £3,000 within 3 months of Cardmembership. Earn 2 points per £1 spent and 6 points per £1 of eligible spend at Marriott properties.	Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a. with a fee of £75 per annum, your representative rate is 42.6% APR (variable).	Compare	loading Fetching your data...
American Express Preferred Rewards Gold Credit Card Finder Award	30,000 points	2 points per £1 spent	1 point per £1 spent	Year 1 - £0, Year 2 onwards - £140 per annum	61% APR (variable)	Check eligibility Read review	New Cardmember offer: Earn 20,000 plus an extra 10,000 Membership Rewards points when you spend £3,000 in your first three months of Cardmembership. Offer ends 6 July 2022. Terms Apply. Spend £15,000 or more during the year and earn an additional 10,000 bonus points each year the card is renewed. Earn 12,000 bonus points per friend/family that uses Referral Programme and successfully applies for a card.	Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £140 per annum, your representative rate is 61% 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	102.5% APR (variable)	Check eligibility Read review	Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. New Cardmembers Only. Earn 3 Avios for per £1 spent directly with BA and 1.5 Avios per £1 spent elsewhere. Terms Apply	Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a. with a fee of £250 per annum, your representative rate is 102.5% APR (variable).	Compare	loading Fetching your data...
The Platinum Card Finder Award	60,000 points	1 point per £1 spent	1 point per £1 spent	£575 per annum	N/A (this product is a charge card).	Check eligibility Read review	Limited time offer: earn 60,000 Membership Rewards® points when you spend £6,000 in your first 6 months of Cardmembership. Offer ends 1 June 2022. Terms apply. Plus, get up to £100 in statement credits every year at Harvey Nichols (Offer valid for current and new Platinum Cardmembers). Terms Apply.		Compare	loading Fetching your data...
Tesco Bank Low APR Card	N/A	1 point per £4 spent	1 point per £8 spent	£0	9.9% 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 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.	Representative example: When you spend £1,200 at a purchase rate of 9.942% (variable) p.a., your representative rate is 9.9% 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...

Compare up to 4 providers

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.

The Arcadia Group? What’s that?

Arcadia Group is a major British retailer which owns several UK high-street names (listed below). With more than 2,500 stores and 20,000 staff, it’s often hit the headlines – for both good and bad reasons. As well as Wallis, the group includes:

Burton
Evans
Miss Selfridge
Topman
Topshop
Dorothy Perkins

Repayment options

You can make manual repayments through NewDay Ltd's app, by logging in to your online banking or over the phone (0300 220 2509). 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.

Find a UK store credit card

Argos

Burton

Evans

House of Fraser

Karen Millen

Laura Ashley

Miss Selfridge

Outfit

Wallis

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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