Excellent4.5

72% of customers recommended from 843 ratings

Tesco offer a broad selection of credit cards, so you can save money on balance transfers, spread the cost of a large purchase or earn Clubcard points. The Tesco credit card range uses the MasterCard electronic payment system and is accepted at millions of retailers across the globe. Tesco credit cards are supplied by Tesco Bank which have their headquarters based in Glasgow.

Compare Tesco Bank Credit Cards

Tesco Bank Clubcard Credit Card (Balance Transfer)
Balance Transfers
0% for 33 months
2.9% fee
Purchases
0% for 3 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card with No BT Fee
Balance Transfers
0% for 12 months
Purchases
0% for 12 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card for Purchases
Balance Transfers
0% for 3 months
2.9% fee
Purchases
0% for 19 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card (Balance Transfer) Semi Excl
Balance Transfers
0% for 25 months
1.99% fee
Purchases
0% for 3 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card with Low APR
Balance Transfers
0% for 3 months
Purchases
0% for 3 months
Representative APR (variable)
7.8% APR
There is a 0.00% handling fee for balances transferred during the first 3 months from account opening.
Representative Example: The standard interest rate on purchases is 7.84% p.a. (variable). So if you borrow £1,200 the Representative APR will be 7.8% APR (variable).
Tesco Bank Purchase Card with 1,000 Points
Balance Transfers
0% for 3 months
2.9% fee
Purchases
0% for 17 months
Representative APR (variable)
18.9% APR
1,000 Clubcard points if you make a purchase or transfer a balance within 2 months of account opening. Card available only if you apply online.
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card with a 0.85% BT fee
Balance Transfers
0% for 15 months
0.85% fee
Purchases
0% for 15 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Foundation Clubcard Credit Card
Balance Transfers
0% for 1 months
Purchases
0% for 1 months
Representative APR (variable)
28.9% APR
Representative Example: The standard interest rate on purchases is 28.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 28.9% APR (variable).

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Tesco Bank Credit Card Reviews

Order:

Got a Tesco Bank credit card? Tell us about your experience because it will help others. Add a review.

No problems with this credit card

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by graeme60

I have experienced no issues in using this credit card. The website is easy to use and the information provided is clear and very helpful. The only issue I have is that when you return stuff the credit does not take effect until the next month which is a bit of a pain. I also get club card points which I can use to get a discount on holidays.

Easy to use

by graeme60, 1 week ago report review

Tesco Credit Card

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by amandab23

The Tesco Credit Card offers THE best incentive with Tesco points. Keeping an eye on spending means we can pay off the balance every month and earn Tesco points just for usual monthly spend. Earn points on fuel and energy tariffs. Points can then be doubled at Christmas to help with Christmas shopping. Customer service always very good, especially when card cloned and payment stopped before processing. Top marks.

by amandab23, 4 weeks ago report review

Good bank so far...

Good

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by Lyrical_Lou

Only had my credit card with them for a month, so can't really say much at the moment. But easy to apply for a card. Had an answer within seconds. Easy to transfer the balance from my other card. Get an email to say when my statement is ready for review. Log in process seems very secure with lots of security measures before you can see your account.

by Lyrical_Lou, 4 weeks ago report review

Build Tesco points

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by junean

Great customer service. Have been contacted in the past about fraud, which we were not aware of until we got the phone call from the fraud department. Quick to build Tesco points, especially when use in Tesco for food and fuel. Especially good when points and converted into vouchers which can then be double up at certain points of the year. My husband is a joint card holder and his card is linked to the same account for ensure we get the best from the points.

Build up Tesco points quickly

by junean, 2 months ago report review

Balance Transfer Card

Satisfactory

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by bethwa

This is the second time I have used this card. It had been laying dormant for quite some time but on a review of my finances I needed to transfer a balance to avoid interest and Tesco Bank, unlike others I have used, did not change the limit or cause me any problems. It was all very straight forward and the customer service is great.

by bethwa, 2 months ago report review

Tesco 10 month 0% balance transfer card

Good

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by ej65

I applied for this card to transfer a balance from an existing account to give myself some breathing space. The online form was simple to fill in and took no more than 10 minutes. My card and details were sent out promptly and the Tesco Bank website has a clear design that is easy to navigate. I have contacted the customer service team on one occasion, and they were empathetic to my issue and helped sort the problem efficiently

by ej65, 2 months ago report review

Tesco Bank Credit Card Treat Loyal Customer Badly

Poor

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

After several years of paying my bill on time and in full every month, I was 1 DAY late this time and got hit with £41 interest charges. I put over £25k through the card last year (£2k per month) and always pay as soon at the bill comes. I spoke to Tesco Bank Customer Services and they really could not have cared less! I cannot argue that they are within their rights to enforce the charge but you would think that they would make some allowance for my years of good payment plus, of course, the fact that I was only 1 DAY late!!! Needless to say Tesco Bank and Tesco as an organisation has lost me as a customer ... but then everyone seems to be deserting Tesco these days anyway!

by andrewr45, 24 Apr 2014 report review

Tesco credit card fantastic rewards with this card

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by laurab8883

Tesco credit card offers fare rates and excellent offers for using their service! 60 days to repay purchases before interest is added. You get club card points for every purchase made and freebies to spend In store, for me and any others who do shopping there or use their club card points to redeem days out this is brilliant and for that I would definitely recommend it!

Extra club card points on purchases made on the credit card

Like any card the interest rates

by laurab8883, 27 Jun 2013 report review

Tesco Bank - painless!

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by JohnnyComeLately

I have a credit card with Tesco Bank. I don't spend a great deal with it, and pay off the balance in full every month, but I've always found their customer service very helpful when I've needed them. On one occasion, they even contacted me to ask me if I was aware that my card had been used abroad. I wasn't aware - it was a fraudulent transaction. Tesco immediately cancelled the transaction (meaning I didn't have to pay for it), cancelled the card and issued me with a new one. All quite painless, and very impressive service!

Helpful staff.

by JohnnyComeLately, 29 Feb 2012 report review

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