TSB

Compare TSB credit cards for October 2021

Find out how to apply for a credit card from Britain’s biggest challenger bank, TSB, which offers customers a wide selection of credit cards for transfers, cashback and more.

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Find the right card for you

See if you’ll be accepted for a range of cards before applying, without harming your credit score.

Compare TSB credit cards

Table: sorted by representative APR, promoted deals first
Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
TSB Advance Credit Card Mastercard
0% for 3 months reverting to 9.95%
0% for 3 months
(0% fee)
£0
9.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.95% (variable) p.a., your representative rate is 9.9% APR (variable).
TSB Platinum Balance Transfer Card
0% for 3 months reverting to 21.95%
0% for 27 months
(2.95% fee)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).
TSB Student Credit Card
21.95%
21.95%
(5% fee)
£0
21.9% APR (variable)
Representative example: When you spend £1,000 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).
TSB Platinum Purchase Card
0% for 15 months reverting to 21.95%
0% for 15 months
(1.45% fee)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).
TSB Classic Credit Card Mastercard
0% for 5 months reverting to 27.95%
0% for 5 months
(1.45% fee)
£0
27.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).
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Approval for any credit card will depend 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.

What is TSB?

Founded as the Trustee Savings Bank in 1810, TSB is one of the oldest and biggest names in British banking. After hooking up with Lloyds Bank 1993 only to break up in 2013, it now has 631 high street branches across the country as well as online account management and UK-based call centres, meaning you can manage your money from anywhere at any time.

TSB is on the Mastercard network so its cards are accepted in more than 35 million locations worldwide.

What types of offers are available from TSB?

  • 0% on balance transfers offer

    TSB offers a 0% balance transfer rate for a set period on balances transferred within the first 90 days with a reduced fee for transfers made in this time. You can also benefit from 0% interest on purchases for a shorter period and cashback on eligible spending each month.

    Learn more about 0% balance transfer cards

  • 0% on forthcoming purchases offer

    TSB’s purchase card is designed to offer zero or no interest for a specified period on purchases made using the card. If you’re planning a significant expenditure on a new card, then comparing 0% purchase cards would be a smart place to start. With this card, TSB also offers 0% interest on balance transfers for a set period when they are transferred in the first 90 days.

    Learn more about 0% purchase cards

  • Student offer

    If you’re at college or university and have had a TSB Student Current Account for at least three months, this card could give you the extra flexibility you need. Remember to manage your money so you stay within your credit limit or you will be charged a fee. This card comes with no 0% interest period on balance transfers or cash withdrawals – instead it’s a card that can help you build up a credit history and stand you in good stead for future borrowing.

    Learn more about student credit cards

  • Low rate offer

    With less emphasis on the headline-grabbing 0% periods, this involves a short period of 0% interest on balance transfers and purchases followed by TSB’s lowest ongoing interest rate. If you have a TSB Classic Current Account you can also benefit from cashback on eligible spending.

    Learn more about low rate cards

What benefits can I get with a TSB credit card?

  • Online account management. TSB’s internet banking website lets you check your latest balance, search your statements and apply for new accounts.
  • App. The TSB app features fingerprint, iris and face recognition (if your phone has this functionality). You can set up and amend standing orders, cancel Direct Debits and pay your TSB credit card bill. The handy currency converter tool gives you an idea of how much foreign transactions made on your TSB card will cost you.
  • Global usage. TSB uses the Mastercard network, meaning you can use your card in more than 35 million locations worldwide.
  • Cashback. If you have a TSB Classic Plus account, you can earn cashback with your TSB credit card, enabling you to make your money work harder.
  • Security. TSB uses Clicksafe to help keep your details secure when shopping online.
  • Account monitoring. TSB operates active account monitoring to spot any suspicious spending on your card.
  • Emergency overseas assistance. Emergency telephone assistance is provided if you have lost your card abroad.

Applying for a TSB credit card

You can apply for a TSB credit card online in just a few minutes. Simply fill out the online form providing personal information such as name, address, income and work status. You can also go into a TSB branch or apply over the phone.

Eligibility requirements

To be eligible for a TSB credit card, you must meet the following criteria:

  • UK resident
  • 18 or over
  • Have a regular income
  • Not be currently declared bankrupt, have county court judgements or be subject to an individual voluntary agreement
  • Have had a TSB Current Account for at least the last three months

Why might you not be approved?

On the whole, if you meet the eligibility requirements but have a history of bad debt or no credit history at all, you may be rejected. Equally if you are in an IVA or have had a CCJ you may not be accepted. If you have ever declared bankruptcy you are also unlikely to receive a card.

Help and support for TSB card customers affected by coronavirus

If you’re currently a TSB customer and have been impacted by coronavirus, you may be able to get some help. TSB is currently offering a range of support measures for those struggling with their credit account, such as emergency credit limit increases and repayment holidays. You can visit TSB’s coronavirus support page to find out more.

TSB customer reviews

TSB has received mixed reviews from customers, according to customer review site Trustpilot. It currently has a rating of 3.3 out of 5, based on more than 8,200 reviews (updated 11 March 2021). Some customers reported issues using the TSB website and accessing their accounts, as well as difficulties when trying to pay off their card balance.

Frequently asked questions

Find the right card for you

See if you’ll be accepted for a range of cards before applying, without harming your credit score.
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.

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