Asda Money Select Credit Card

Asda Money Select Credit Card helps build credit with no annual fee and Asda cashback rewards.

Credit Card

Asda Money Select Credit Card

0.75% back in Asda Pounds 0.2% back everywhere else

No annual fee.

How to Apply You will remain on the current site

What Is the Asda Money Select Credit Card?

The Asda Money Select Credit Card is a UK credit-builder card aimed at people with limited or average credit history.

It’s provided in partnership with Jaja Finance Ltd, and it’s built to help you establish positive repayment habits while earning rewards in the form of Asda Pounds paid into the Asda Rewards ecosystem.

There’s no annual fee, which keeps the commitment low. The main trade-off is cost: credit-builder cards typically come with high interest, and third-party listings show the Select card can sit in the higher APR range (so it’s best used if you pay in full each month).

Key Benefits and Features

Here are the standout reasons people apply:

• 0.75% back in Asda Pounds on eligible Asda spending (including George, petrol and online)
• 0.2% back everywhere else
• No annual fee
• Often includes a welcome bonus in Asda rewards (offers can change)
• Designed for credit building (on-time payments and sensible usage matter most)
• App-based management via the Asda Money credit card app

If you already shop at Asda regularly, the Asda Pounds cashback is a nice extra while you work on improving your credit profile.

How It Compares to Other UK Credit Cards

Note: Rates and offers can change. Always check the issuer’s latest terms before applying.

Who Should Consider This Card?

This is best for:

• First-time cardholders building a UK credit footprint
• People rebuilding after a few past credit mistakes
• Regular Asda shoppers who’ll actually use Asda Pounds
• Anyone who prefers managing everything in an app

It’s less ideal if you expect to carry a balance month to month, because interest can quickly wipe out cashback value.

Is It Good Value?

From a cost-benefit perspective, the Asda Money Select Credit Card offers solid value — but only when used strategically.

The biggest advantage is the £0 annual fee. That means there’s no pressure to “earn back” a membership cost through rewards. For someone focused on rebuilding credit, this removes unnecessary risk and keeps the card accessible.

However, the cashback structure is modest. The 0.75% in Asda Pounds is attractive only if you regularly shop at Asda, including fuel or George purchases. Outside the Asda ecosystem, the 0.2% return is minimal and unlikely to generate meaningful rewards over time.

Where this card truly delivers value is in its credit-building potential. Making payments on time, keeping balances low, and using only a small portion of your credit limit can gradually improve your credit score.