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: ★★★★★

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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).

29.9%

Representative APR

£0

Account fee

Up to 1,000 points

Intro bonus

Earn 1 point

per £1 spent

Details

IssuerNewDay Ltd
NetworkMastercard
Representative APR29.9% APR (variable)
Annual/monthly fees£0
Loyalty schemePoints
IncentiveEarn 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 opening1,000 bonus points on account opening.
Additional Rewards InfoExclusive sales and discount events.
Purchases29.95%
Purchases interest-free period (days)56
Balance transfers29.95%
Potential costs★★★★★
Doing its job★★★★★
Extras★★★★★
Overall Finder rating★★★★★
Overall customer rating Not yet rated

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. 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).

The Wallis credit card is issued on the Mastercard network so it's accepted at more than 50 million merchant locations 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 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).

Promoted

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
  • You may be offered an opening credit limit as low as £250

Other reward cards

Table: sorted by representative APR, promoted deals first
Name Product Ratings Finder rating Customer rating 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 score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
N/A
1 point per £1 spent
1 point per £5 spent
£0
23.9% APR (variable)
Check eligibility
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).
M&S Bank Credit Card Transfer Plus Offer Mastercard
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
N/A
1 point per £1 spent
1 point per £5 spent
£0
23.9% APR (variable)
Check eligibility
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).
Santander All in One Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
N/A
0.5% cashback
0.5% cashback
£3 per month
29.8% APR (variable)
Check eligibility
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 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
British Airways American Express® Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
30.7% APR (variable)
Check eligibility
Earn 1 Avios for virtually every £1 spent. Spend £12K each year and get a travel companion voucher when redeeming Avios for a BA reward flight. - Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme. Avios value varies dependent on reward (min 1000pts for flights)
Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).
American Express® Platinum Cashback Everyday Credit Card
Finder score
★★★★★
User survey
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
£100
1% cashback
1% cashback
£0
30.7% APR (variable)
Check eligibility
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 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).
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Approval for any credit card depends 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

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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