Asda Money Select Credit Card rewards everyday UK spending smartly

Tired of spending without getting anything back? With this card, you earn Asda Pounds on your regular shopping—plus a welcome bonus.

Picture this: your usual weekly shop, filling up your car, or grabbing lunch—all those little transactions start adding up to real rewards. Sounds good, right? That’s exactly the kind of benefit the Asda Money Select Credit Card brings to the table. It gives you money back on your everyday spending, and helps you build a better credit score while you’re at it.

If you’re someone who shops regularly at Asda or just wants a simple, no-hassle way to start building credit, you might want to stick around. In this guide, I’ll walk you through exactly how this card works, who it’s for, and how to make the most of every pound you spend.

CREDIT CARD

ASDA Money Select

Earn Cashback No Annual Fees

APPLY NOW You will be redirected

🛠️ Practical guide: how to get the best out of this card

Start with the basics—use it for the things you’re already buying:

• Groceries from Asda (online or in store)
• Petrol at Asda stations
• Fashion at George
• Mobile top-ups or appointments at Asda Opticians

Each time you use the card on these, you earn 0.75% back as Asda Pounds. On everything else, it’s 0.2% back. It’s all tracked in your Asda Money app, and once those Pounds land in your Cashpot, you’re free to spend them on your next shop.

Tip: Want to avoid interest? Just set up a direct debit to clear the balance every month.

🧠 Little-known tricks to squeeze more value

Most people just use their card and call it a day—but there’s more you can do:

• Combine with Asda Rewards for double the benefit on purchases and missions.
• Time your bigger buys—if you’ve got something pricey planned, align it just after your billing date to stretch your payment window.
• Use contactless with Apple Pay or Google Pay—easy, fast, secure.
• Pay group expenses (meals, gifts, petrol) on your card and have mates pay you back—extra Asda Pounds for you.

💸 How to make those Asda Pounds work harder

Let’s say you spend £400 at Asda each month and another £300 elsewhere. Here’s how that looks:

Not bad for stuff you were already going to buy anyway.

🔄 Alternatives and other tools to consider

If you’re not fully sold or just want a backup option, here are a few alternatives:

Other cards:

• Tesco Foundation – low rewards, but solid for beginners
• Aqua Classic – focused purely on credit building, no cashback
• Barclaycard Rewards – good for travel with no foreign fees

Other tools:

• Use the Asda app to track both rewards and spending.
• Pair your cashback with a savings account to grow those extra pounds.
• Match it with Asda Mobile for exclusive discounts.

👤 Who can get it – are you eligible?

Here’s the checklist before you apply:

• You’re 18 or older
• You live in the UK
• You’ve got 3 years’ address history
• You have a steady income
• You’re not currently bankrupt or in a debt relief arrangement

You’ll also need to register for an Asda.com account. Your APR (currently 34.9% variable) and credit limit will depend on your personal finances.

📝 Step-by-step: how to apply easily

1. Check your eligibility online (no impact on credit score)
2. Log into or create your Asda.com account
3. Fill in your income, outgoings, and address details
4. Submit the form—it takes just a few minutes
5. If your application is referred, sit tight—they’ll be in touch within 7 days

When approved, you can manage everything through the app and even set up Apple Pay or Google Pay.

❓ FAQ – stuff people often miss

Do I need to shop at Asda to apply?

Not necessarily—but to really benefit from the rewards, regular Asda spending helps a lot.

Can I use it abroad?

Yes, but keep in mind foreign transaction fees. This card’s best for UK-based shopping.

Are the rewards real money?

You earn Asda Pounds, which are like store credit—great for groceries, fuel, and even George clothing.

Is the £20 bonus automatic?

Yes, but only for new customers, and only once your card’s been approved and active. T&Cs apply.

What’s the catch on the APR?

The rate is 34.9% variable, and it can change with the Bank of England base rate. But as long as you pay off your balance in full, you won’t pay interest.

✅ Final thoughts and smart recommendation

If you’re someone who already shops at Asda, this card’s a no-brainer. It gives you cashback on what you’re already buying, with no annual fee and a generous welcome bonus. It’s not built for luxury perks or travel points—it’s made for real people doing regular spending, and that’s what makes it valuable.

The Asda Money Select Credit Card is ideal if you want to build credit, save money on the weekly shop, and keep your spending in check. Just remember: it works best when you pay off your balance monthly, so you never pay interest and get the full benefit of those rewards.

👉 Want to get even more out of this card? Let me show you how to stack rewards, use Asda Missions, and push your cashback even further.

CREDIT CARD

ASDA Money Select

Earn Cashback No Annual Fees

APPLY NOW You will be redirected