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Which Premier League credit card takes the crown?

Football reward deals in the spotlight

The new football season is underway – and with it comes a huge range of new merchandise for supporters to buy. 

Thousands of football fans will invest in the latest collection of replica shirts, scarves and hats to show their support, but would you consider opening up a credit card emblazoned with your favourite teams logo? 

Dozens of the UK’s biggest football clubs, including Manchester United, Arsenal and Chelsea, have teamed up with credit card providers to offer supporters a branded card. 

These cards typically allow supporters to earn points, which can be exchanged for exclusive club rewards. There are often other benefits on offer too, such as discounts on club merchandise and the opportunity to enter ‘money can’t buy’ prize draws.

You can learn more about credit cards linked with some of the UK’s biggest football clubs by visiting the Which? Money Compare credit card tables. 

  • Click here to learn more about the Arsenal credit card (18.9% APR) 
  • Click here to learn more about the Aston Villa credit card (18.9% APR) 
  • Click here to learn more about the Chelsea credit card (18.9% APR) 
  • Click here to learn more about the Liverpool credit card (18.9% APR) 
  • Click here to learn more about the Manchester United credit card (18.9% APR) 
  • Click here to learn more about the Tottenham Hotspur credit card (18.9% APR) 
  • Click here to learn more about the West Ham United credit card (16.9% APR) 

Should I take out a football club credit card? 

The reward schemes associated with these credit cards will appeal to plenty of football supporters.

Some supporters planning to spend money on their team’s merchandise will benefit from using their club’s credit card to pay for it, provided they pay off their balance in full at the end of the month.

For example, using your credit in Manchester United’s club shop gets you a 10% discount, and 20% off the price of a stadium tour. But not all cards, reward you with discounts on club shop spending. 

Are there any other benefits?   

All of the credit cards listed above are provided by MBNA and offer a 24-month 0% balance-transfer period with a 2.99% balance-transfer fee. You’ll also pay 0% interest on purchases made in the first three months of card ownership. 

These can be a useful addition for cardholders, but if you’re after a credit card solely to take advantage of a lengthy 0% interest period, there are better deals out there – some as long as 36-months for balance transfers and 25 months for interest-free spending. 

The Which? Money Compare credit card tables let you search hundreds of cards from providers large and small to choose a great deal based on quality of service as well as cost and benefits.

Which? Money Compare table: 0% balance transfer and purchases credit cards – dozens of cards compared 

Football club credit cards vs cashback credit cards

It’s difficult for supporters to tell how many points they need for a specific reward, because they are not given full details of any associated reward scheme until they receive their card. When they apply, they are simply told that one pound spent will earn them one loyalty point.

We asked MBNA how many points cardholders would need to earn to get a £50 discount in a club megastore. While it refused to disclose the exact amount of points needed, it did reveal that supporters would need to spend between £5,000 and £10,000 on their card.    

There are a few cashback credit cards offering better deals than this. You’d earn £50 cashback by spending £1,000 on the American Express Platinum Credit Card (18.7% APR) within three months of opening your account, for example. 

However, cashback credit cards don’t offer the football-related experiences associated with the MBNA football credit cards.

Which? Money Compare table: Cashback credit cards – our tables are updated daily 

Which football credit card is top of the league?

It’s tough to compare one football club’s credit card against another. All of the MBNA football credit cards listed in the Which? Money Compare credit card tables offer the same 0% interest deals and each of them has an APR of 18.9%, with the exception of the West Ham United Credit Card (16.9% APR).

What’s more, the main selling point of these credit cards are the rewards linked with the associated club, and few loyal football supporters would dream of signing up for a deal associated with another team.

Creation is the other major provider of football credit cards. Among others, the company provides credit cards linked with West Bromwich Albion, Everton, Sheffield Wednesday and Fulham. Each of these cards have an APR of 18.9%.

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Which? Limited is an Introducer Appointed Representative of Which? Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited.

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