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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 credit card customer satisfaction survey.

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

Coronavirus (COVID-19) credit card update

The Financial Conduct Authority (FCA) says credit card firms must offer payment help to support borrowers struggling financially because of the coronavirus outbreak.

Some credit card firms are also offering to increase limits and waive charges in a bid to help ease the financial hardship the pandemic has caused.

Keep up to date with the latest updates and advice related to the COVID-19 outbreak over on our dedicated Which? coronavirus information hub.

What does the Debenhams credit card offer? 

Debenhams offers a credit card that rewards 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 repay your balance each month.

How does Debenhams compare to other providers?

Debenhams mustered a poor 67% in our latest credit card satisfaction survey leaving it near the bottom of the table in joint 23rd place.

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Debenhams review
Which? Customer Score
=23rd 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 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, query handling and complaint resolution.

Debenhams 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

3 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

4 out of 5

Ability to manage by telephone banking

3 out of 5

Charges for using your credit card abroad

3 out of 5

Which reward credit card is best?

Below are the top five reward credit cards on the market right now.

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 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.


Debenhams credit card FAQs


Does Debenhams offer an eligibility check?


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


Where can I use a Debenhams credit card?


Debenhams issues its credit card 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 elsewhere.

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.