ASDA Money Select Credit Card UK review, cashback up to £100, no annual fee and a proper credit builder
A no-nonsense take on whether ASDA Money Select delivers its cashback, no annual fee promise and genuine credit-building benefits for UK shoppers
Key features of the ASDA Money Select Credit Card
The ASDA Money Select Credit Card is a straightforward option for UK shoppers who want cashback and a genuine credit builder. With no annual fee and an introductory 10% cashback at ASDA in the first 90 days (up to £100 ASDA Pounds), the ASDA Money Select Credit Card gives a clear, short-term reward for regular ASDA customers.
Beyond the sign-up bonus, cardholders earn 1% cashback on ASDA grocery and fuel purchases and 0.3% on non-ASDA spending, which you can track via the ASDA Rewards app. Limits typically start from around £500 up to £5,000 depending on your credit profile, making it accessible for those rebuilding credit.
How the ASDA Money Select Credit Card works and costs
The ASDA Money Select Credit Card is issued in partnership with a specialist lender and is designed for people who may struggle with mainstream approvals. It reports to credit reference agencies, so sensible use and on-time payments can help improve your credit score over time.
Bear in mind the representative APR sits at around 34.9% variable, which is common for credit-builder products in the UK. The lack of an annual fee offsets some costs, but you should avoid carrying a large balance to limit interest charges and make the most of the ASDA Money Select Credit Card rewards.
Sign-up bonus, rewards and practical redemptions
New applicants can earn up to £100 in ASDA Pounds through the 10% welcome cashback within the first 90 days, and that is useful if you shop regularly at ASDA or fill up at their petrol stations. The ASDA Money Select Credit Card makes redeeming straightforward through the ASDA Rewards app, where ASDA Pounds are applied against shopping in-store or online.
Keep in mind the card’s best value comes from pairing regular ASDA spending with punctual repayments, so the cashback actually increases the net benefit. If you already shop at ASDA, the ASDA Money Select Credit Card can turn routine groceries into a small, steady return while you rebuild credit.
Who should apply and tips to get the most from the card
The ASDA Money Select Credit Card suits UK residents who need to build or repair credit and who are regular ASDA customers. If you have a stronger credit history and want lower APRs or richer travel and lifestyle perks, other cards may be a better fit, but for straightforward cashback plus credit building, this card stands out.
Top tips: set up a direct debit for at least the minimum payment to protect your credit record, keep utilisation low to boost scores, and use the card for planned ASDA shops during the 90-day bonus period. Responsible use of the ASDA Money Select Credit Card can deliver both short-term cashback and long-term credit improvements.