UK store cards – who’s the lender? - Credit cards - Guides - Moneyfacts


UK store cards – who’s the lender?

UK store cards – who’s the lender?

Category: Credit cards

Updated: 09/05/2016
First Published: 10/06/2014

Store cards can be tempting if you regularly shop at a particular high street retailer.

Nowadays you can walk into many high street shops and they'll offer you their own card, often with incentives such as upfront discounts. While store cards can have great benefits, it's wise to be cautious – they're credit cards like any other, and interest charges tend to be quite high if you don't pay off your bill in full every month.

See our guide: Should you take out a store card?

Which credit provider issues your store card?

If you take out a store card, the credit you get will not usually be given by the store itself. Most cards are just branded cards issued by other credit providers.

Find your card in our list of the main UK store cards to see who provides the credit. All of the credit issuers shown are authorised by the Financial Conduct Authority.

Store Card Credit Provider
Argos Home Retail Group
Homebase Home Retail Group
Karen Millen Ikano Financial Services
Miss Selfridge NewDay Ltd
New Look Ikano Financial Services
Oasis VIP Ikano Financial Services
Topshop NewDay Ltd
Topman NewDay Ltd
Warehouse Ikano Financial Services

Top Tip

If you have been declined credit when applying for a store card, don't try again until you have checked your credit profile. It helps to understand how credit scores work.

Read our guide 9 steps to score on your credit rating to help you work out how to improve your credit rating for next time.

What next?

Should you take out a store card?

Compare whole of market credit cards

Looking to improve your credit rating? Spend a few minutes to check your credit rating today!

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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