Compare TSB credit cards for September 2019

Britain’s biggest challenger bank, TSB, offers its customers a distinct selection of credit cards to cater for a variety of circumstances.

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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.

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Compare TSB credit cards

Table: sorted by representative APR, promoted deals first
Updated September 19th, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
0% for 20 months reverting to 19.95%
0% for 20 months reverting to 19.95%
£0
19.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
19.95%
19.95%
£0
19.9% p.a. (variable)
Representative example: When you spend £1,000 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 10 months reverting to 26.95%
0% for 10 months reverting to 26.95%
£0
26.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 26.95% (variable) p.a., your representative rate is 26.9% APR (variable).

Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents 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 types of card does TSB offer?

TSB offers four distinct credit card types so whether you’re after a big-ticket purchase, want to transfer debt, are a student or looking to keep your interest rate down, there’s something to suit every wallet.

  • 0% balance transfer card

    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% purchase card card

    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 card

    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 card

    With less emphasis on the headline-grabbing 0% periods, this card offers 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.

Frequently asked questions

We exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although 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, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

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