Asda Money Select Credit Card

By Raquel Oliveira • 03/05/2026

Asda Money Select Credit Card combines credit building with supermarket cashback.

Building credit in the UK often means choosing between accessibility and rewards. The Asda Money Select Credit Card aims to offer both. Designed for individuals with limited or average credit history, it provides a structured way to improve your credit profile while earning small returns on everyday spending.

The card is offered by Asda Money in partnership with Jaja Finance Ltd. Its purpose is clear: encourage responsible repayment behaviour while rewarding loyal Asda shoppers through cashback paid as Asda Pounds.

There’s no annual fee, which makes it accessible for first-time applicants. Like most credit-builder cards, the APR sits in the higher range, so the strongest value comes when balances are cleared in full each month.

Key Benefits and Features

Here are the standout reasons people apply:

• 0.75% back in Asda Pounds on eligible Asda spending (including George, petrol and online)
• 0.2% back everywhere else
• No annual fee
• Often includes a welcome bonus in Asda rewards (offers can change)
• Designed for credit building (on-time payments and sensible usage matter most)
• App-based management via the Asda Money credit card app

If you already shop at Asda regularly, the Asda Pounds cashback is a nice extra while you work on improving your credit profile.

Who Should Consider This Card?

This is best for:

• First-time cardholders building a UK credit footprint
• People rebuilding after a few past credit mistakes
• Regular Asda shoppers who’ll actually use Asda Pounds
• Anyone who prefers managing everything in an app

It’s less ideal if you expect to carry a balance month to month, because interest can quickly wipe out cashback value.

Fees and Important Considerations

Before applying for the Asda Money Select Credit Card, it’s important to understand the cost structure and how to use the card wisely.

Like most credit-builder cards, the interest rate tends to be higher than premium reward cards. This means the real value comes when the balance is paid in full every month.

Is It Good Value?

From a cost-benefit perspective, the Asda Money Select Credit Card offers solid value — but only when used strategically.

The biggest advantage is the £0 annual fee. That means there’s no pressure to “earn back” a membership cost through rewards. For someone focused on rebuilding credit, this removes unnecessary risk and keeps the card accessible.

However, the cashback structure is modest. The 0.75% in Asda Pounds is attractive only if you regularly shop at Asda, including fuel or George purchases. Outside the Asda ecosystem, the 0.2% return is minimal and unlikely to generate meaningful rewards over time.

Where this card truly delivers value is in its credit-building potential. Making payments on time, keeping balances low, and using only a small portion of your credit limit can gradually improve your credit score.