Compare Tesco credit cards

Table: sorted by representative APR, promoted deals first

7 of 7 results

Finder Score	Balance transfers	Money transfers	Purchases	Annual/monthly fees	Incentive	Representative example
6.3Standard Tesco Bank Everyday Low APR Credit Card Finder Award	6.3Standard	12.94%	29.947000000000000000000000000000 (3.99 fee)	12.94%	£0	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants/entertainment.	Representative example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% p.a. (variable).	More info Compare product selectionCompare	loading
Not yet rated Tesco Bank Balance Transfer and Purchases Credit Card	Not yet rated	0% for 21 months (2.95% fee)	29.947000000000000000000000000000 (3.99 fee)	24.94%	£0	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selectionCompare	loading
Not yet rated Tesco Bank All-Round Credit Card	Not yet rated	0% for 9 months (1.99% fee)	29.947000000000000000000000000000 (3.99 fee)	24.94%	£0	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and an enhanced rate of 1 point for every litre of fuel bought at Tesco Petrol Filling Stations. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. 1 point = 1p (min 250pts)	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selectionCompare	loading
9.8Excellent Tesco Bank Balance Transfer Credit Card Finder Award	9.8Excellent	0% for 35 months (3.15% fee)	29.947000000000000000000000000000 (3.99 fee)	24.94%	£0	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants or entertainment.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selectionCompare	loading
7.5Great Tesco Bank Low Fee Balance Transfer Credit Card Finder Award	7.5Great	0% for 20 months (1.25% fee)	29.947000000000000000000000000000 (3.99 fee)	24.94%	£0	5 points per £4 spent in Tesco, 1 point per £8 spent outside Tesco and 1 point per £4 spent on Tesco fuel (excluding Esso) plus 1 point for every 1 litre bought. 100 points = £1 in vouchers	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selectionCompare	loading
8.3Great Tesco Bank Foundation Credit Card Finder Award	8.3Great	29.95%	39.941000000000000000000000000000 (3.99 fee)	29.95%	£0	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants/entertainment.	Representative example: Representative 29.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.9% p.a. (variable).	More info Compare product selectionCompare	loading
6.8Standard Tesco Bank Clubcard Plus Credit Card Finder Award	6.8Standard	21.81%	21.814000000000000000000000000000 (3.99 fee)	19.94%	£0	Available to Clubcard Plus subscribers (£7.99 per month). Earn 1 point per £4 spent in Tesco and 1 point per £8 spent elsewhere (on top of your usual Clubcard points). Points can be converted to Tesco vouchers or dining/entertainment vouchers.	Representative example: Representative 37.7% APR variable. Based on assumed borrowing of £1,200. Rate of interest 19.9% p.a. (variable).	More info Compare product selectionCompare	loading

Showing 7 of 7 results

Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

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. Most of the data in Finder's comparison tables is provided by Defaqto.

How do Tesco's cards compare against the competition?

See today's deals from across the credit card market.

Compare rates

Types of credit cards from Tesco

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 0% purchase offers

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 interest rate on purchases going forward.

Tesco 0% purchase credit card

Tesco 0% balance transfer offers

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.

Tesco balance transfer cards

Tesco rewards offers

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.

Tesco credit card rewards

Tesco money transfer offers

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

Tesco low-rate offers

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

Tesco credit builder offers

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.

Tesco Foundation credit card

How do Tesco Clubcard credit card points work?

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.

Can I use a Tesco credit card abroad?

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.

Benefits of Tesco Bank credit cards

Tesco offer many benefits for its credit card customers, such as:

Customer service. Tesco’s UK teams are available 24 hours a day, 7 days a week, including Christmas Day. You can contact the support team by phone, social media or go onto their community page on the website where questions are frequently answered.
Global acceptance. Tesco Bank credit cards use the Mastercard network, and as a result are accepted worldwide – pretty much anywhere that accepts credit cards!
Rewards. Whether it’s saving points to spend on groceries, fuel or any number of other things, there’s a range of benefits to be enjoyed with a Tesco credit card. You can find a full list of where you can spend your Tesco Clubcard points and vouchers on the Tesco bank website.
Security and fraud protection. Provided in association with “MasterCard® SecureCode™”, Tesco Bank Secure is part of the 3D Secure standard and helps protect debit or credit cards against unauthorised use when you purchase from participating retailers.

Very easy to set up and use. I collect Clubcard points when I use my credit card. Easy to get rewards from the card.”

– Tesco customer in Finder's 2024 survey

How do I apply for a Tesco credit card?

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.

Eligibility requirements

There are some basic eligibility requirements you will need to meet to be accepted for a Tesco credit card:

You are aged 18 years or over.
You have a permanent UK home address.
You have a current UK bank or building society account.
You currently don’t hold more than 1 Tesco credit card.
You have not applied for a Tesco credit card in the last month.
You have an annual income of at least £5000.
You have a good credit history.

Different cards have different requirements, however, so check your eligibility against any card before you apply.

Why wasn’t I approved for a Tesco credit card?

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.

What do customers say about Tesco Bank?

77% of customers we surveyed in 2026 would recommend Tesco Bank to a friend.

It is a solid choice for earning Clubcard points on everyday spending, and users praise the easy-to-use app and generous credit limits. Customers generally find the balance transfer process very easy and customer service efficient when resolving issues.

However, many long-term users are disappointed that the reward schemes have become less generous over time, reducing the card's overall value.

AI-generated summary from the text of customer reviews on Finder.

Tesco Bank and Finder Awards

Our Finder Awards celebrate brands that truly stand out in their field. Tesco Bank was named our 2024 Credit Cards Customer Satisfaction Award winner!

Overview of Tesco Bank credit cards

Representative APR	From 12.9% to 37.7%
0% balance transfer offer	Up to 35 months
0% purchases offer	Up to 24 months
0% money transfer offer	Up to 15 months
Points earn-rate with brand	Up to 1.25%
Points earn-rate elsewhere	Up to 0.12%

Frequently asked questions

Our “Best for” picks highlight top options in specific categories based on our independent evaluation (see our full methodology), while “Promoted” tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.

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Written by

Chris Lilly

Head of publishing

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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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Compare Tesco credit cards

Compare Tesco Bank's credit card range, including Clubcard rewards cards, 0% balance transfers and 0% purchase cards, and get the latest Tesco APRs and fees. Rates starting from 12.9% to 37.7%.