First thing to say is that I am someone who (happily) is able to pay off my credit card bill every month, so I can't tell you about comparisons re interest rates etc.
But what I CAN tell you is that the Tesco Rewards card is brilliant for little top ups & niceties in life!
We use it whenever possible, & it's amazing how those points mount up. Then it's off to our local Cineworld for a free film, or perhaps Pizza Express for some free food ... Brilliant! Rewards also get used for hotel breaks, plus theme park tickets & other days out.
On top of that, a couple of times a year Tesco runs it's Exchange programme. Using that, you can exchange your rewards vouchers in certain Tesco departments & get double the value. When you think that these days they have departments including opticians, mobile phones, home electricals, not to mention clothing, this is a MAJOR money saver.
Easy to use, easy to check queries on bills.
I have had a Tesco credit card for several years & have used extensively without problems.I find that the statements are always correct & that everything works just as it should with a well organised operation. Collecting club card points is a real bonus & have made use of these many times.
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