Excellent4.3

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 34 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

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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

  • Flexibility & 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 , 1 month ago report review

Tesco Bank Credit Card

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by johnmar87

The product is most satisfactory and can be used for many purposes, 24 hours each day and night over a period of fifty two weeks of the year. Can be used to obtain points for any purchases which mount up and be exchanged for goods and services. Can also be used for identity purposes To obtain cash. Period of Credit is reasonable, and providing paid off by the nominated monthly date, the is no charge for the service. If payment date not made, interest is charged, and the rate is in accordance with other institutions and acceptable. Have found that if there are any queries or problems, then telephone calls, when you get through, are treated with courtesy, and helpfulness, and an appropriate solution is provided

Good Service

Sometimes difficult to get through

by , 1 month ago report review

Excellent service

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by john98733

A great Credit card. I pay the balance off every month so no charges and then I receive 1 point for every £ spent. These can be changed for up to 4 times face value in many places. Customer service excellent. By a coincidence I rang them this morning as I need a new card ( bent my old one accidentally) and was put through toa Rep within one minute and the problem solved. Found the product through a Tesco store

Good service. Love the vouchers and points

No negatives

by , 1 month ago report review

Great everyday credit card

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by debtunn

Tesco credit card is great as you earn points as you spend. It is very versatile and the interest rates are low and if you transfer from your old card you can have 0% interest for a year. Customer service is good always helpful and friendly and you can keep up to date with your spending by going online to check your balance and look for other products.

earn points to use at tesco

by , 1 month ago report review

customer service

Satisfactory

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by swimfan

easy and quick to talk to. You get offers through the door, and the statements are easy to read and understand. Only had to phone them up twice, once to change address and the other to transfer a balance, customer service was efficient and friends and helpful. I don't think there is anything bad I could say about Tesco Bank. Would recommend downloading the Tesco bank app as well

by , 2 months ago report review

Useful account to hold with Tesco's

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by hails84

I was recommended this credit card by a friend and it also came top when I searched online looking for a suitable credit card to hold. I like the fact that I can access it easily online and through the mobile app and like the extra points for spending on credit card. I am pleased with the customer service I have encountered and have no negative comments to make.

by , 2 months ago report review

Easy to keep on top of finances

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by janejar7

Tesco Bank has a fantastic mobile banking app that makes it really easy to stay on top of my spending, I have even used it to get a refund for something I bought with my credit card but couldn't find the receipt for. I pay by direct debit, which is never a problem and sometimes make over payments in online banking. Clubcard points are a great bonus and I use them to convert to BA frequent flyer points, £2.50 in points gets me 600 points its great.

Easy access and points

Paying interest on balance

by , 2 months ago report review

Always looking out for potential problems. Good reward for using.

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by Grimster

Because we can usually pay off the balance each month, rewards are important to us, so we like being able to convert Clubcard points to Virgin Frequent Flyer points. Having a combined Loyalty and Credit Card makes it easy to shop at Tesco, particularly because we can shop online and have the order delivered. I can also manage the card online and my wife and I both have acard on the account.

Online banking is straightforward.

Tends to encourage loyalty to one supermarket.

by , 1 month ago report review

Great credit card, and tops Clubcard points up too

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by sueruss

We have had a Tesco Bank Credit card for approximately 10 years now and have been very pleased with it. We use it on most things and find the Tesco Clubcard points mount up as well, enabling us to make use of the offers Tesco have. Their statement is precise and taken via Direct Debit for my peace of mind. The online service is very safe and they have security in mind. I like the mobile app as well. It is very user friendly and I check my transactions with ease. I would recommend Tesco Credit Card.

User friendly, safe online, can top up Tesco points

by , 1 month ago report review

Tesco bank credit card

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by coral55

I applied for this card with my husband as we could not get the CashBack anymore due to him being self employed,as he spends a lot of money on materials for his business And the CashBack cards we hold only offer so much CashBack,with this card we can acquire tesco points which is great at Christmas for the grandchildren The web site is easy to you and when I call the customer service is great

by , 2 months ago report review

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