ASDA Cashback Credit Card
Which? customer score 65%
|Representative APR (variable)||Purchase interest p.a.||Cash withdrawal APR||Annual card fee|
The interest rate for borrowing that at least 51% of the customers accepted will pay.
The annual interest rate you'll pay on new purchases.
The interest rate you'll pay on cash you withdraw from an ATM.
The fee you'll pay for having the card each year, if any.
Reward scheme details
ASDA Money Award Winner - Best New Credit Card of the Year at the Card and Payment Awards, 2013. Best Affinity or Co-Branded Card Programme and Highly Commended. 1% cashback on ASDA shopping and ASDA fuel. 0.5% cashback everywhere else. Unlimited cashback - No cap. Up to 10% promotional cashback rate on selected ASDA insurance policies. Cashback credited monthly. Please note all cashback is offered in vouchers. 0% on balance transfers for 12 months (2.9% fee) within the first 90 days after opening an account. Contactless payments. No annual fee. No cash advance fee on ASDA Travel Money. 0% on all purchases at George.com over £200 for 6 months.
- Representative Example
- Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.
ASDA Money customer satisfaction scorecard:How do we work this out?
|Keeping you up to date with new deals||Transparency of charges / penalties||Online account management||Customer service||Overall customer score|
|Can be used for building credit rating||No|
|Minimum income required to open account||£10,000|
|Opening account is by invitation only||No|
|Account is for existing customers only||No|
|Further notes about eligibility||ASDA Stores Limited (Great Wilson Street, Leeds, LS11 5AD), trading as ASDA Money, acts as a credit broker not as a lender and is authorised and regulated by the Financial Conduct Authority. ASDA Stores Limited only offers credit cards provided by Creation Financial Services Limited, Chadwick House, Blenheim Court, Solihull B91 2AA. Applicants must be UK residents (including Isle of Man and Channel Islands).|
|Minimum age to open an account||18|
|Rate period||12 months|
|Limit period days||90|
|Rate period||0 months|
|Maximum interest free days (purchases)||50|
|Days to pay||20|
|Monthly payment min %||1.0%|
|Monthly payment min £||£5|
|Returned payment fee||£12|
|If you exceed credit limit||£12|
|Foreign usage fee (Europe)||2.99%|
|Foreign usage fee (worldwide)||2.99%|
|Charges for cash withdrawals||Yes|
|Cash withdrawal percent||3.0%|
|Reward is charity donation||No|
|Reward is cash back||No|
|Reward is Airmiles||No|
|Reward is points||No|
|Reward is vouchers||Yes|
|Reward is travel||No|
|Reward is Avios||No|
|Reward is discount||No|
If you do not pay the total outstanding balance in full by the payment due date, the amount you pay will be allocated to higher interest rate balances before lower interest rate balances. Where fees and charges are payable, your payment will be allocated to the interest rate applicable to these fees and charges relating to any higher interest rates first.