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Asda Money credit card review

Find out how Asda Money has been rated for its application process, customer service, mobile app and more in our latest credit card customer satisfaction survey.

In this article
Coronavirus (COVID-19) credit card update What do Asda Money credit cards offer?  How does Asda Money compare with other providers? Is Asda Money a good credit card provider?
Which cashback credit card is best? How we calculate Asda Money's customer score and ratings Asda Money credit card FAQs

Coronavirus (COVID-19) credit card update

The Financial Conduct Authority (FCA) wants lenders to continue to offer payment holidays on credit cards, loans and other finance agreements in a bid to help ease the financial hardship caused by the coronavirus outbreak.

Keep on top of the latest news and advice related to the COVID-19 pandemic with Which?

What do Asda Money credit cards offer? 

Asda Money offers a cashback credit card, which allows you to earn points to turn into vouchers you can use at Asda supermarkets and online at

The reward scheme pays a penny for every pound you spend in Asda, and every £5 spent elsewhere.

However, Asda Money has now closed its Cashback Credit Card, as of 13 July 2020. Existing customers will have until 12 September 2020 to use the vouchers.

Asda Money plans to launch a new cashback credit card, and says more information will be available soon.

How does Asda Money compare with other providers?

While the Asda Money credit card is about to close down, customers rated the provider highly. Asda Money achieved a score of 72% in our latest credit card satisfaction survey placing it joint 15th along with credit card heavyweight Barclaycard.

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Asda Money review
Which? Customer Score
=15th out of 30 credit card providers
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Is Asda Money a good credit card provider?

Our survey also reveals how Asda Money customers rated the provider across 10 categories. 

Find out in the table below how Asda Money scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.

Asda Money credit card satisfaction ratings


Star ratings

Star ratings out of five show levels of satisfaction for each category. Where no stars are given, we received too few responses in our survey to award a score.

Customer service

3 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

4 out of 5

Dealing with queries

3 out of 5

Dealing with complaints

3 out of 5

Ability to manage online

5 out of 5

Ability to manage by mobile app

2 out of 5

Ability to manage by telephone banking

3 out of 5

Charges for using your credit card abroad

2 out of 5

Which cashback credit card is best?

Asda Money is one of several credit card providers offering cashback.

Below are the top five cashback credit card deals. The links take you through to Which? Money Compare, where you can find out more about the deal.

How we calculate Asda Money's customer score and ratings

We pick credit cards to feature in Which? brand reviews based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 6,537 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

Star ratings for each category are scored independently of the customer score.

These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.


Asda Money credit card FAQs


Is the Asda Money Cashback credit card still available?


The current card provided by Creation Financial services closed on 13 July 2020. If you're an existing Asda Cashback Credit Card customer, you will have received a notice of variation in the post with further details. 


Does Asda Money offer an eligibility check?


Yes, Asda Money did offer an eligibility checker to see if you would qualify for its credit card before applying.

This does a soft search of your credit report that can tell you the likelihood of being accepted. It doesn't leave a mark on your report, and won't impact your credit score.

However, the Asda Cashback Credit card is closed to new customers. Asda Money says it's working on bringing out a new deal.



What can I do with the cashback I’ve earned?


Asda Money’s cashback credit card offers 1% cashback at Asda and 0.2% cashback elsewhere. Cashback is awarded in the form of vouchers to spend in-store at Asda and online at

Customers had until 12 September 2020 to turn their cashback into vouchers, which can be spent at or in-store at Asda within 28 days.


Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.