The Kingfisher-owned DIY retailer is testing the scheme in a bid to encourage greater loyalty among customers and provide the firm with more detailed information about shopping habits.
The card is being trialled in 14 stores, with a view to rolling it out across the UK if it proves successful. It will form part of an evolving customer marketing strategy that will support B&Q's potential move into broader areas such as financial services.
The card features a trial APR of 26.8%, although this could change if the scheme is rolled out. It will be used as a customer marketing tool as Kingfisher builds a number of added-value services under the B&Q brand.
B&Q is understood to be holding internal discussions about creating a financial services operation, and is likely to recruit marketers to run the venture if it gets the green light.
B&Q recently hired former Thomson Holidays marketer Breffni Walsh as marketing controller, reporting to the marketing director David Roth. Walsh replaced Nigel Leahy, who left earlier this year to rejoin WH Smith.
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