ASDA Money Select Credit Card with Cashback, No Annual Fee and Credit Builder
Earn ASDA Pounds cashback on your weekly shop, enjoy no annual fee and steadily build your credit score with a card made for UK shoppers
Top features and rewards
The ASDA Money Select Credit Card delivers practical perks for regular UK shoppers, including no annual fee and a clear cashback structure that suits weekly shops. New customers can take advantage of an introductory 10% cashback on ASDA purchases in the first 90 days, capped at £100 in ASDA Pounds, plus ongoing rewards for supermarket and fuel spending.
Beyond cashback, the ASDA Money Select Credit Card acts as a credit-builder option for those with limited or imperfect credit histories. Credit limits typically range from around £500 to £5,000 depending on your profile, making it a sensible starter card for rebuilding or improving your credit score with responsible use.
How the card works and what it costs
The ASDA Money Select Credit Card is issued in partnership with a UK lender and carries a representative APR that reflects its credit-building nature. While the APR can be higher than mainstream cards, the absence of an annual fee means you keep the card active without recurring charges while you focus on building credit.
Rewards post to your ASDA Rewards account as ASDA Pounds, which you can redeem on future shopping trips. Payments are reported to credit reference agencies, so making at least the minimum payment on time each month helps to strengthen your credit file over time.
Who should consider this card
If you shop at ASDA regularly and want a simple way to earn cashback while improving your credit, the ASDA Money Select Credit Card is a strong contender. It suits applicants who prioritise no annual fee and direct supermarket rewards over premium travel perks or low-purchase APRs.
Consumers with already-good credit and those who frequently carry balances might find other cards with lower APRs or richer reward schemes more cost-effective. Still, for targeted credit-building plus tangible ASDA Pounds back on the weekly shop, this card is tailored to UK shoppers.
How to apply and practical tips
Apply online via the ASDA Money website and have your National Insurance number, address history and income details ready to improve your chance of approval. Check the eligibility checker if available to avoid a hard search that could briefly affect your credit score.
Use the ASDA Money Select Credit Card responsibly: keep utilisation low, pay at least the minimum on time, and redeem ASDA Pounds regularly so rewards stay valuable. Over several months, these habits can raise your credit score and open the door to cards with better rates if you need them.
