Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
Tesco Bank offers a typical range of cards – whether you’re looking to save money by transferring a balance from a different card provider, earn rewards as you spend, build your credit record or spread the cost of upcoming purchases. We’ve set out the card types it offers below:
Tesco currently offers a dedicated purchase card with a lengthy interest-free period and no annual fee. Once your zero-interest period ends, you’ll pay a relatively standard rate on purchases going forward.
Tesco Bank is one of a handful of card issuers that offers multiple balance transfer deals, so there’s more chance that one of its long 0% offers will be right for you.
All Tesco credit cards let you collect bonus Clubcard points when you shop, but Tesco’s “premium” cards are the fastest way to collect Clubcard points. There’s normally an annual fee to pay, so whether or not the card is worth it will depend on how much you’ll be able to take advantage of the rewards.
Looking for a bit of flexibility to help pay off unexpected bills, or pay for something you can’t put on your credit card? Tesco’s money transfer deals let you borrow money and move it to your bank account so you can spend it how you like. You get long interest-free periods on both money transfers and balance transfers, with no annual fee.
Tesco money transfer credit card
With its table-topping low representative APR, the Tesco low rate card can help keep your repayment costs down when making a purchase. However, this type of card may normally be reserved for those with good credit scores.
Tesco low interest rate credit cards
If you’re looking to rebuild or improve your credit rating due to having a poor or limited credit history, you may want to consider the Tesco Foundation credit card. You’ll pay no annual fee and can even set up email or text alerts to help avoid missing repayments.
As well as covering a range of financial needs, Tesco’s range of credit cards can earn you Clubcard points on every transaction you make.
You’ll earn points on shopping and fuel at Tesco, and you can spend the points in-store, at the pump or with Tesco’s Reward Partners at restaurants, theme parks and more. If you’re already a Tesco shopper, this could be a significant perk. You’ll also earn points on shopping outside of Tesco, albeit at a lower earn-rate.
Crucially, when you get a Tesco credit card, it’s able to double-up as a Clubcard too – so you won’t have to hand over your regular old Clubcard when you pay in-store – you’ll earn both your regular Clubcard reward points and your new Clubcard credit card reward points just by using your credit card to pay.
Yes, you can continue using your Tesco credit card abroad, though you will be charged a 2.75% foreign usage fee in both the EU and the rest of the world. You can also use your Tesco credit card online if you’re abroad.
Tesco offer many benefits for its credit card customers, such as:
Great way to earn loyalty points and the UK call centre is very helpful.”
You can apply for a Tesco credit card online, and you’ll only need about 10 minutes to complete the online application process. Once you’ve applied, you should then receive a decision from Tesco within 60 seconds.
There are some basic eligibility requirements you will need to meet to be accepted for a Tesco credit card:
Different cards have different requirements, however, so check your eligibility against any card before you apply.
Typically you won’t be approved for a credit card if you have a poor credit history or don’t meet the above eligibility criteria. If you’ve got an outstanding CCJ or are on an individual voluntary arrangement (IVA) it is also likely you will not be approved.
Equally, if you do not have a credit record at all, you may be turned down. It is advisable to go to Experian, or another credit rating agency, and to ask for a credit report.
In our 2023 customer satisfaction survey, Tesco Bank scored 4.5 out of 5 stars, with 84% of customers saying they’d recommend the brand to a friend.
Customers praised Tesco Bank’s overall service. Many customers also commented positively on Tesco Bank’s rewards. Some customers felt Tesco Bank’s customer service could be impoved, yet Several customers were satisfied with Tesco Bank’s custsomer service. One commented: “Never had any issues with using them as a provider. Great customer service each time I have contacted them”.
| Representative APR | From 10.9% to 37.7% |
|---|---|
| 0% balance transfer offer | Up to 22 months |
| 0% purchases offer | Up to 24 months |
| 0% money transfer offer | Up to 9 months |
| Cashback with brand | Up to 1.25% |
| Cashback elsewhere | Up to 0.12% |
| Cash advance | From 24.94% |
| Introductory bonus offer | No introductory bonus offers available |
Our customer satisfaction scores ("Customers say") are based on a survey of 2,749 customers carried out in December 2022.
To find out more, read our full methodology.
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Everything you need to know about Tesco Bank’s Balance Transfer Credit Card – live rates, fees, credit limits and eligibility, plus a side-by-side comparison with a range of similar options from other lenders.
