Asda credit cards
The Asda credit card is part of the MasterCard family, so you can make the purchases anywhere that you see a MasterCard logo – an estimated 24 million locations across the world. The Asda card offers an interest-free period on all balances transferred as well as cashback anywhere you use the card, though the rate of cashback is higher in the supermarket’s own stores and petrol forecourts.
Compare Asda credit cards - Sorted by APR
- Provider/Product name
- Balance transfer 0% 12 months 2.9% fee
- Purchases 0% 6 months
- Rewards Cashback
- Representative APR (variable) 14.9%APR
- Your chance of approval
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- Great for
- 5% cashback when you take out a selected Asda Money insurance product using your Asda Money Credit Card (T&Cs apply)
- 1% cashback on your Asda shopping & Asda fuel
- 0.5% cashback everywhere else
- But be aware that
- The introductory rate for purchases only applies to purchases at Asda Direct over £200
- No transfers are allowed from other Sygma Bank cards
- Interest rates range from 14.9% - 24.9%
If you spend £1,200 at a purchase interest rate of 14.9% (variable) your representative APR will be 14.9% (variable).
Guide to Asda credit cards
The first thing to consider when shopping around for any credit card is its features and benefits. If you already have credit card debt, one of the main attractions of the Asda credit card, is the fact it offers a 12-month interest-free period on all balances transferred from an existing credit card. A 2.99% balance transfer fee applies, though this is typical across the wider market.
The Asda credit card (which is actually funded by Santander) is part of the MasterCard family, so you can spend on the card anywhere that you see a MasterCard logo. According to Asda Financial Services, this is more than 24 million locations across the world.
The reason the card is called the Asda Money Credit Card, is because its primary purpose is to reward loyal Asda shoppers.
Other rewards to customers choosing to pay with the Asda credit card include 1% cashback on all Asda shopping, Asda Direct and Asda petrol stations and free home delivery on online grocery shops costing more than £99. There's also no cash advance fee on Asda Travel Money purchased with your card. On all spending elsewhere you'll earn 0.5% cashback.
Even though Asda is a supermarket, the credit card is offered by the banking arm and falls under the Financial Services Authority (FSA) regulation. This also means that cardholders will be offered protection under the 1974 Consumer Credit Act, so if goods or services you buy with the card become lost, stolen or damaged, you have an equal claim for a refund against the card provider as you do the retailer. This is so long as the goods or services cost between £100 and £30,000.
The more recently-introduced Consumer Credit Directive will top up this protection up to £60,260. In both cases you will be protected even if just the deposit is paid for using the card.
Your personalised chance of approval
We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.
Why is this important?
Every time you apply for a credit card, a mark is left on your credit score. That means it’s better to get it right first time. Your scores help you understand which cards you have the strongest chance of getting.
The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’ve probably better off choosing a different card.
- Consider a different card
- Not eligible
- Your chances are good
- You've been pre approved
If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.
In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.
We work closely with our partners to improve our eligibility scores for all products that are of interest to you.
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