93% of customers in our survey would recommend the brand
Earning points outside of Tesco shopping is a slow business
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 10.9% to 37.7%.
Compare Tesco credit cards
Table: sorted by representative APR, promoted deals first
1 - 5 of 5
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 Moneyfacts.
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 rate on purchases going forward.
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 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 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.
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.”
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.
Tesco Bank customer reviews
Tesco Bank was highly commended for its credit cards in the Finder Customer Satisfaction Awards 2024, with 93% of customers saying they’d recommend the brand to a friend.
Customers praised the bank’s service and many mentioned the rewards you earn when spending on these cards.
One respondent said: “In all the years I have had a Tesco credit card there has never been a single problem and I earn Clubcard points on my shopping and other expenditure.”
Another said: “I trust Tesco as they helped me when my holiday firm went bust when I was abroad and hotel had not been paid. They have good customer service.”
Overview of Tesco Bank credit cards
| Representative APR | From 10.9% to 37.7% |
|---|---|
| 0% balance transfer offer | Up to 27 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 |
Frequently asked questions
Finder credit card ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
To find out more, read our full methodology.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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