Store cards UK list (13+)

What are store cards?

Store cards are cards which allow you to buy things from stores with certain perks.

Store cards are a type of credit card that are usually offered by specific brands which you can usually only use within that brand.

Store cards allow you to spend money on a particular store in exchange for discounts, perks or points. You can then pay the money you have spent back over a given period.

Store cards will usually charge you interest as they are essentially a lending facility. This means any balance you carry on your store card will have an interest charge attached to it.

A list of store cards in the UK

Allders Store Card Creation Financial Services

Ann Summers ….Creation Financial Services.

Argos Home Retail Group

B&Q Account Card HFC Bank

Brantano Store Card Creation Financial Services

Burton Santander

Coast Card Ikano Financial Services

Debenhams Santander

Dorothy Perkins Santander

Duet Duet Storecard Creation Financial Services

Edge Card Santander

evans Santander

Focus Focus (DIY)Creation Financial Services

Fortnum & Mason Fortnum & Mason Plc

Homebase Home Retail Group

House of Fraser Recognition Account Card Santander

IKEA Home Ikano Financial Services

Jaeger Store Card Ikano Financial Services

JJB JJB Sports Creation Financial Services

Joplings Store Card Creation Financial Services

Karen Millen Ikano Financial Services

Laser UK Laser Creation Financial Services

Laura Ashley Santander

Lewis’s Creation Financial Services

M&Co. Store Card Creation Financial Services

Miss Selfridge Santander

Monsoon Santander

Mothercare Santander

Nevada Bobs Creation Financial Services

New Look Card Ikano Financial Services

Oasis VIP Ikano Financial Services

Outfit Santander

Owen Owen Creation Financial Services

Quiz Store Card Creation Financial Services

Robbs Store Card Creation Financial Services

Russell & Bromley Santander

Selfridges Store Card Creation Financial Services

Topshop and Topman Santander

USC Store Card Creation Financial Services

Vergo Store Card Creation Financial Services

Wallis Santander

Warehouse Card Ikano Financial Services

Disclaimer: some of these cards may no longer bein the market.

Benefits of store cards

Store cards have been known to be much easier to get than other credit cards

Store cards may offer you a discount for shopping with them

Store cards may offer other rewards such as points that could convert into points for shopping with them

Disadvantages of store cards

Store cards could have high APRs and in some cases much higher than traditional credit cards

Store cards usually only let you shop in one type of store

What fees do store cards have?

Store cards have the same sort of fees as other credit cards, they include:

Fees for going over your credit limit

Fees for late or missed repayments

Fees for withdrawing money from the ATM

Fees and interest charges for carrying a balance from one month to the other on your store card

what sort of incentives could store cards have?

The incentives store cards could have include:

Discounts on shopping when done in the brand’s store

Loyalty points which you can redeem for money or another item at the store

0% interest charges for your first few months

Store cards may not be the best option out there as 0% purchase credit cards may have more competitive rates and will allow you to shop in any store you want to shop in.

If you need financial advice and you live in the UK then you could contact the Money Advice service over the phone or via chat for impartial advice.

You can also contact the debt charity “Step Change” if you are in debt and need help.