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Debenhams credit card review

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

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

Coronavirus (COVID-19) credit card update


A range of credit card providers are offering to increase limits as well as temporarily waive late payment charges and cash advance fees in a bid to help ease the financial hardship caused by the coronavirus outbreak.

You can find more of the latest updates and advice related to the COVID-19 outbreak over on our dedicated Which? coronavirus information hub.

What do Debenhams credit cards offer? 

Debenhams offers a credit card designed to reward your spending with points that you can convert into Debenhams vouchers.

The credit card doesn't come with a 0% period on purchases, so you will be hit with the steep 24.9% APR if you don't clear your card each month.

How does Debenhams compare to other providers?

Debenhams mustered a dismal 63% in our latest credit card satisfaction survey leaving it near the bottom of the table in 26th place.

Credit Cards
Debenhams review
Which? Customer Score
26th out of 29 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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£1 for first month then £12.75/month unless cancelled

Is Debenhams a good credit card provider?

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

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

Debenhams credit card satisfaction


Star rating
Customer service

3 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties 3 out of 5
Dealing with queries 3 out of 5
Dealing with complaints 3 out of 5
Ability to manage online 3 out of 5
Ability to manage by mobile app 3 out of 5
Ability to manage by telephone banking

2 out of 5

Charges for using your credit card abroad

2 out of 5

Which Debenhams credit card is best?

You can explore the Debenhams credit card and see how it stacks up to other reward credit cards using Which? Money Compare.

How we calculate Debenhams' 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 5,621 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.


Debenhams credit card FAQs


Does Debenhams offer an eligibility check?


Yes, you can check your chances of being accepted for the Debenhams credit card without impacting your credit score.


Where can I use a Debenhams credit card?


Debenhams issues its credit cards on the Mastercard network, so you will be able to use the card in millions of places in the UK and abroad.


How can I earn points with the Debenhams credit card?


You’ll earn three points for every £1 you spend at Debenhams and or one point for every £2 you spend everywhere else.

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.