Asda credit cards

Find the best ASDA credit card deal for you

As one of the UK’s supermarket giants, Asda competes for business across a range of goods and services from groceries and clothes, to petrol and financial products. In 2012, Asda rebranded its personal finance division and launched Asda Money – alongside its first credit card.

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

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Balance transfer
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{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR

Your personalised chance of approval

We've used the details you gave us to show you how likely you are to be accepted for each card.

Why is this important?

Every time you apply for a credit card, your credit score takes a small hit, so it's better to make an application that has a high chance of success. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, it's unlikely you'll get the card, so it could be worth looking at others.


Our Smart Search uses the same criteria lenders do. If you have cards with high scores, you can be fairly confident in applying however the lender decides whether to say "yes" or "no".

If you see a guaranteed score, the lender won't do a further credit check, but will do additional fraud checks to verify your identity. Assuming everything you told us is correct, your application will be successful.


If you're rated "not eligible" for a particular card, this could be for one of several reasons. You may already have a card with that provider, and some lenders don't like giving a second one to the same person. Or, occasionally lenders will restrict cards to their current account holders only, meaning you'll be scored not eligible if you don't have one.

If you're rated as "not eligible" for a lot of the cards, then it's likely that your credit score's too low to qualify - perhaps you've missed payments in the past, or you've a CCJ or bankruptcy on your report? If not, but you have a lot of debt already, it could be that lenders are concerned about the levels of debt you already have.


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 to be able to do the smart search check.

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Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

Great for
  • Pay no interest when you spend at least £200 at in the first 6 months
  • Earn 10% cashback when you use this card to take out a selected Asda Money insurance policy
  • Earn 1% cashback on your shopping at Asda and Asda fuel, and earn 0.2% cashback on your spending elsewhere. Cashback paid in vouchers to spend in Asda stores
But be aware that
  • You might get a different interest rate to the one shown here, because this depends on your circumstances.
  • You must transfer a balance within the first 90 days to get the promotional offer
  • You must have a household income of at least £10,000 a year to be eligible for this card
Show key information

Guide to Asda credit cards

Asda credit cards are part of the MasterCard family, so you can spend on these cards anywhere that you see a MasterCard logo.

They offer rewards including cashback on your Adsa shopping, and you can make contactless payments. Asda credit card customers can get a free credit report whenever they want from Noddle, which is part of the credit reference agency Noddle.

The cards are issued by Creation Financial Services Limited, which is authorised and regulated by the city regulator the Financial Conduct Authority. 

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.