Asda Money Select Credit Card: Is It the Right Choice to Build Credit in the UK?

An entry-level credit card with no annual fee, cashback on supermarket spending, and credit-building potential – but is it worth it long-term?

CREDIT CARD

ASDA Money Select

Earn Cashback No Annual Fees

SEE 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-issued credit card designed primarily for individuals with limited or average credit histories. Offered by Asda in partnership with Jaja Finance Ltd, it aims to help customers build or rebuild credit while earning cashback in the form of “Asda Pounds.”

With a representative APR of 39.9% (variable) and no annual fee, the card appeals to those who need a low-commitment option for establishing financial trustworthiness.

Key Benefits and Features

Here are the most relevant features for potential applicants:

• 0.75% cashback in Asda Pounds on eligible purchases at Asda stores (including George, petrol, and online)
• 0.2% cashback on purchases made elsewhere
• No annual fee
• £20 welcome bonus (in Asda Pounds) for new customers meeting basic spending criteria
• Designed to help build or improve your UK credit score
• Manageable credit limit with the possibility of gradual increases
• App-based account management through Jaja’s mobile platform

How It Compares to Other UK Credit Cards

Note: Rates and features as of October 2025. Always check with the card issuer for the latest terms.

Who Should Consider This Card?

The Asda Money Select Credit Card is well-suited for:

• First-time credit card users looking to establish a positive payment history
• Individuals aiming to repair a damaged credit score
• Asda regulars who want a small reward on everyday purchases
• Shoppers who prefer digital-first management via mobile app

However, this card may not be ideal for those who:

• Frequently carry balances month to month (due to high APR)
• Spend heavily outside Asda and expect substantial rewards
• Already qualify for premium UK cashback cards with lower APRs

Is It Good Value?

From a cost-benefit standpoint, this card offers reasonable value if used correctly. Since there’s no annual fee, users aren’t under pressure to earn back their membership through rewards. That said, the cashback rate outside Asda is minimal, so unless you’re a frequent Asda shopper, benefits will be limited.

The credit-building angle is its strongest selling point. On-time payments and low credit utilisation can help improve your credit rating over time – crucial for accessing better financial products in the future.

Continue to Page 2 for a step-by-step usage guide, expert tips to maximise cashback, and a full FAQ breakdown.