Tesco Bank balance transfer credit cards

Tesco Bank credit cards are just Barclaycards under the hood, but come with Clubcard points.

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Chris Lilly

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If you’re looking for a 0% balance transfer deal, Tesco Bank should be one of the brands you check. Its credit cards are provided by Barclaycard, which means table-topping offers… but also means that you won’t be able to trasnfer debt from Barclays Group cards.

Tesco Bank 0% balance transfer credit cards

Table: sorted by representative APR, promoted deals first
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Finder Score Balance transfers Money transfers Purchases Annual/monthly fees Incentive Representative example
Tesco Bank Balance Transfer Credit Card image
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
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Tesco Bank Low Fee Balance Transfer Credit Card image
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
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Tesco Bank All-Round Credit Card image
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 selection
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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

How do Tesco balance transfers work?

  1. If you’re interested in a Tesco Bank deal, start by using its eligibility checker. This will let you know your chances of approval, without a “hard” credit search (which would dent your credit score). Frustratingly, Tesco Bank won’t estimate your credit limit at this stage (lots of other banks do).
  2. If it’s good news, go ahead and apply via the Tesco Bank website. The application takes around 10 minutes to complete. You’ll need to provide personal information, bank details and information about the balances you want to transfer.
  3. You’re promised a decision on your application within 10 minutes. It’s possible you may be approved for a credit card with different terms depending on how your personal circumstances were assessed.
  4. You’ll receive your card within five to seven days. You’ll have to activate it by calling Tesco Bank or using its mobile app.
  5. Once you activate your card, Tesco Bank will begin the process of transferring existing balances over to your new card. This can take two to three working days. You should continue making payments to your old credit card until the transfer is complete.
  6. You can arrange additional balance transfers whenever you like, but the 0% introductory deal only applies to balances transferred within 90 days of activating your card.

How long does a Tesco balance transfer take?

Balance transfers you request during your card application won’t take place until your credit card is activated. You can expect the process to take two to three days, once your card has been activated. Additional balance transfers will also take between two to three days to complete.

How should I compare Tesco balance transfer deals?

Here are some of the key features you’ll want to look at when deciding which Tesco Bank balance transfer offer might be the best option for you:

  • Length of 0% period. Tesco Bank has one of the longest fee-free 0% balance transfer deals on the market. If this card has a 0% period long enough for you to clear your balance, it’s likely to be your best choice. If you need a longer 0% deal, there are other cards to choose from. Bear in mind that longer 0% deals come with larger balance transfer fees, so go with the shortest deal that’ll allow you to pay off your balance in full.
  • Balance transfer fee. This is expressed as a percentage of the balance being transferred. The fee is deducted from your credit card balance.
  • 0%-on-purchase deals. Many Tesco Bank credit cards also have lengthy 0% deals on purchases. If this appeals, opt for a card that includes it. Remember, your 0% deals on purchases and balance transfers might have different lengths.
  • Standard rate. This is the rate you’ll pay on purchases and balance transfers outside of your 0% periods.

Bottom line

If you’re hoping to have a break from paying interest on your debt with a balance transfer credit card, check out Tesco Bank’s offerings.

Lengthy 0% balance transfers tend to come with bigger balance transfers fees so be sure to compare deals to make sure you find a credit card that works for you and your situation.

Other 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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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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Chris has written 502 Finder guides across topics including:
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