TSB Classic Credit Card review April 2019

TSB Classic Mastercard

Kick-start your credit history with this credit builder that offers 0% interest on purchases and balance transfers, available exclusively in-branch.

For those looking to build or rebuild a positive credit record, TSB’s Classic Credit Card offers a chance to consolidate higher-rate balances you might have on other cards, and also to spread the cost of upcoming purchases.

Don’t forget that if you opt to take advantage of the balance transfer offer, there’s a fee of 2.95% for 3 months reverting to 3%, and that after any introductory offer periods have expired, your balance will start to accrue interest at a not-so-competitive rate.

Key details

• Product Overview
• Fees and charges
• Application Requirements

How does this card compare with other similar cards on the market?

Updated April 19th, 2019

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Name	Product	Annual/monthly fees	Min. credit limit	Max credit limit	Rep. APR		Incentive	Representative example
Vanquis Bank Chrome Card 24.7pc Visa		£0	£250	Subject to status: £1,000	24.7%	Go to site More Info		Representative example: When you spend £1,000 at a purchase rate of 24.7% (variable) p.a., your representative rate is 24.7% APR (variable).	Compare	loading Fetching your data...
Tandem Bank Journey Credit Card Mastercard		£0	£150	Subject to status: £1,200	24.9%	Go to site More Info	No fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank Foundation Clubcard Credit Card Mastercard		£0	£250	Subject to status	27.5%	Go to site More Info	Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction.  Must have available credit to collect Clubcard points. Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel.	Representative example: When you spend £1,200 at a purchase rate of 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).	Compare	loading Fetching your data...
Vanquis Bank Chrome Card 29.3pc Visa		£0	£250	Subject to status: £1,000	29.3%	Go to site More Info		Representative example: When you spend £1,000 at a purchase rate of 29.3% (variable) p.a., your representative rate is 29.3% APR (variable).	Compare	loading Fetching your data...
Vanquis Bank Aquis Visa		£0	£250	Subject to status: £1,000	29.8%	Go to site More Info		Representative example: When you spend £1,000 at a purchase rate of 29.84% (variable) p.a., your representative rate is 29.8% APR (variable).	Compare	loading Fetching your data...
ASDA Money Cashback Start Credit Card Mastercard		£0	£100	Subject to status: £600	34.9%	Go to site More Info	Earn Asda vouchers every time you shop - 1% cashback on all Asda spend, 0.2% on all other transactions. Once £2.5 is earnt a voucher can be downloaded to spend in Asda stores.	Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
Barclaycard Forward Credit Card Visa		£0	£50	Subject to status: £1,200	34.9%	Go to site More Info	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.	Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
Vanquis Bank Visa		£0	£150	Subject to status: £1,000	39.9%	Go to site More Info		Representative example: When you spend £1,000 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).	Compare	loading Fetching your data...
118 118 Money Card Mastercard		£14 per month. Customer with a card credit limit of £1200: £14 per month. Customer with a card credit limit of £225: £8 per month. Customer with a card credit limit of £250: £3 per month	£250	Subject to status: £1,200	28.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 0% (variable) p.a. with a fee of £14 per month. Customer with a card credit limit of £1200: £14 per month. Customer with a card credit limit of £225: £8 per month. Customer with a card credit limit of £250: £3 per month, your representative rate is 28.9% APR (variable).	Compare	loading Fetching your data...
Capital One Classic Platinum Mastercard		£0	£200	Subject to status: £1,500	29.8%	More Info		Representative example: When you spend £1,200 at a purchase rate of 29.84% (variable) p.a., your representative rate is 29.8% APR (variable).	Compare	loading Fetching your data...
aqua Advance Mastercard		£0	£250	Not specified	34.9%	More Info	Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit report.	Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
Ocean Credit Card Mastercard		£0	£200	Subject to status: £1,500	34.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
aqua Reward Mastercard		£0	£250	Not specified	34.9%	More Info	Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit report.	Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
Capital One Classic Mastercard		£0	£200	Subject to status: £1,500	34.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
aqua Classic Mastercard		£0	£250	Subject to status: £1,200	35.9%	More Info	Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit report.	Representative example: When you spend £1,200 at a purchase rate of 35.95% (variable) p.a., your representative rate is 35.9% APR (variable).	Compare	loading Fetching your data...
Capital One Luma Mastercard		£0	£200	Subject to status: £1,500	35.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 35.94% (variable) p.a., your representative rate is 35.9% APR (variable).	Compare	loading Fetching your data...
Capital One Luma Purchase Mastercard		£0	£200	Subject to status: £1,500	35.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 35.94% (variable) p.a., your representative rate is 35.9% APR (variable).	Compare	loading Fetching your data...
thinkmoney Credit Card Mastercard		£0	£200	Subject to status: £1,500	39.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).	Compare	loading Fetching your data...
Opus Mastercard		£0	£250	Subject to status: £1,200	39.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 39.95% (variable) p.a., your representative rate is 39.9% APR (variable).	Compare	loading Fetching your data...
aqua Start Mastercard		£0	£100	Subject to status: £300	49.9%	More Info	Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit report.	Representative example: When you spend £1,200 at a purchase rate of 49.94% (variable) p.a., your representative rate is 49.9% APR (variable).	Compare	loading Fetching your data...
Vanquis Bank Origin Credit Card Visa		£0	£150	Subject to status: £1,000	59.9%	More Info		Representative example: When you spend £250 at a purchase rate of 59.94% (variable) p.a., your representative rate is 59.9% APR (variable).	Compare	loading Fetching your data...

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Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0345 835 3846), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

How to apply for the TSB Classic Credit Card

If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.