{"id":163164,"date":"2019-01-15T13:49:25","date_gmt":"2019-01-15T13:49:25","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=163164"},"modified":"2026-02-13T07:23:19","modified_gmt":"2026-02-13T07:23:19","slug":"tesco-credit-card-clubcard-points","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/tesco-bank\/tesco-credit-card-clubcard-points","title":{"rendered":"Tesco credit card Clubcard points"},"content":{"rendered":"<p>Tesco Bank offers a range of rewards credit cards that allow you to collect additional Clubcard points along with your regular Tesco Clubcard. You can redeem these point on your next shop or you can spend them on holidays, meals out, leisure attractions and more with its partners.<\/p><h3 id=\"learn\">Tesco Bank credit card points and regular Clubcard points<\/h3><p>Your Tesco Bank credit card is considered your Clubcard, so there&#8217;s no need to swipe both at the till.<\/p><p>With Tesco Bank Clubcard credit cards, you can collect 5 points per \u00a34 spent in Tesco, 1 point per \u00a38 spent outside Tesco and 1 point per \u00a34 spent on Tesco fuel (excluding Esso) plus 1 point for every 1 litre bought. 100 points = \u00a31 in vouchers. Points are converted to Tesco vouchers, which can be used to save you money in-store or online at Tesco, as well as on fuel at Tesco petrol stations and at Esso sites with a Tesco Express. Alternatively, you can exchange the vouchers with their Reward Partners, where you can treat yourself with a visit to a theme park or a meal at an Italian restaurant.<\/p><p>From everyday purchases to one-off treats, you can save money with cheaper prices on selected items when using your Tesco Bank credit card in-store. Note that some supermarkets may inflate normal prices to make their discounted prices seem a better deal than they are, so compare discounted prices at the supermarket to normal prices at other supermarkets and see how much the discounted prices benefit you.<\/p><article class=\"luna-card luna-card--border\">\n<div class=\"luna-card__block\">\n<form class=\"luna-form\" onsubmit=\"return false\">\n<fieldset class=\"luna-form__fieldset\">\n\n<legend class=\"luna-legend\">Tesco Clubcard points calculator<\/legend>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"tescoinput1\">How much do you spend at Tesco per month?<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"any\" placeholder=\"0\" id=\"tescoinput1\" onchange=\"tescoShowResults();\">\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"tescoinput2\">How much do you spend on Tesco fuel per month?<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"any\" placeholder=\"0\" id=\"tescoinput2\" onchange=\"tescoShowResults();\">\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"tescoinput3\">How much do you spend outside of Tesco per month?<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"any\" placeholder=\"0\" id=\"tescoinput3\" onchange=\"tescoShowResults();\">\n<\/div>\n<\/div>\n<\/div>\n\n<\/fieldset>\n<\/form>\n\n<article class=\"luna-card luna-card--alt has-margin-top-small\">\n<div class=\"luna-card__block text-x-large\">\n<p><strong id=\"tescoresultmessage\">Use the fields above to calculate how many Clubcard points you could earn.<\/strong><\/p>\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n<script>\nfunction tescoShowResults() {\nvar tescoinput1 = document.getElementById(\"tescoinput1\");\nvar tescoinput2 = document.getElementById(\"tescoinput2\");\nvar tescoinput3 = document.getElementById(\"tescoinput3\");\nvar tescoresultmessage = document.getElementById(\"tescoresultmessage\");\nvar spendTesco = Number(tescoinput1.value);\nvar spendTescoFuel = Number(tescoinput2.value);\nvar spendOutsideTesco = Number(tescoinput3.value);\n\nif (spendTesco >= 0 && spendTescoFuel >= 0 && spendOutsideTesco >= 0) {\nvar pointsTesco = calculateTescoPoints(spendTesco);\nvar pointsTescoFuel = calculateTescoFuelPoints(spendTescoFuel);\nvar pointsOutsideTesco = calculateOutsideTescoPoints(spendOutsideTesco);\nvar totalPoints = pointsTesco + pointsTescoFuel + pointsOutsideTesco;\ntescoresultmessage.innerHTML = 'You could earn the following Clubcard points:<br>' +\n'<span class=\"fin-text-blue\">Tesco Clubcard points: ' + pointsTesco + '<\/span><br>' +\n'<span class=\"fin-text-blue\">Tesco Fuel Clubcard points: ' + pointsTescoFuel + '<\/span><br>' +\n'<span class=\"fin-text-blue\">Clubcard points elsewhere: ' + pointsOutsideTesco + '<\/span><br>' +\n'<span class=\"fin-text-blue\">Total Clubcard points: ' + totalPoints + '<\/span>';\n\ntescoresultmessage.innerHTML = 'You could earn <span class=\"fin-text-blue\">' + number(totalPoints) + ' Clubcard points.<\/span>';\n\n} else {\ntescoresultmessage.innerHTML = 'Please specify the spending details for each category.';\n}\n\n}\n\nfunction calculateTescoPoints(spendTesco) {\n\/\/ Calculate points for Tesco spend (4 points per \u00a35)\nreturn Math.floor((spendTesco \/ 4) * 5);\n}\n\nfunction calculateTescoFuelPoints(spendTescoFuel) {\n\/\/ Calculate points for Tesco fuel spend (1 point per \u00a34)\nreturn Math.floor(spendTescoFuel \/ 4) * 1 + Math.floor(spendTescoFuel \/ 1.54);\n}\n\nfunction calculateOutsideTescoPoints(spendOutsideTesco) {\n\/\/ Calculate points for spend outside Tesco (1 point per \u00a38)\nreturn Math.floor(spendOutsideTesco \/ 8) * 1;\n}\n\n\n<\/script><div id=\"toppicks-methodology\" class=\"topPicksMethodology--shortcode luna-accordionGroup accordionGroup\">\n\t<div class=\"luna-accordion\" data-accordion=\"accordion\">\n\t\t<div class=\"luna-accordion__summary\">\n\t\t\t<h4 class=\"luna-accordion__heading\">\n\t\t\t\t<button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"methodology-expander-0000000000\" data-toggle=\"collapse\" data-target=\"#methodology-expander-0000000000\">\n\t\t\t\t\t<span class=\"luna-accordion__title\">How do we calculate Tesco Clubcard points<\/span>\n\t\t\t\t\t<svg class=\"luna-icon topPicksMethodology__toggleIcon\" aria-hidden=\"true\">\n\t\t\t\t\t\t<use xlink:href=\"#chevron-down\" data-toggle-icon=\"show\" class=\"topPicksMethodology__toggleIcon-down\"><\/use>\n\t\t\t\t\t\t<use xlink:href=\"#chevron-up\" data-toggle-icon=\"hide\" class=\"topPicksMethodology__toggleIcon-up is-hidden\"><\/use>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/button>\n\t\t\t<\/h4>\n\t\t<\/div>\n\t\t<div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"methodology-expander-0000000000\" data-accordion=\"details\" style=\"height: 0px;\">\n\t\t\t<div class=\"accordionContent\">This calculator helps you to estimate how many Tesco Clubcard points you might accumulate when using an Tesco Bank credit card for purchases, both at Tesco and elsewhere. We use the following earn rates to calculate this:<\/p><ul><li>Collect 5 points for ever \u00a34 spent at Tesco.<\/li><li>Collect 1 point for every \u00a34 spent on Tesco fuel plus 1 point for every 1 litre bought (based on the average litre price of \u00a31.54).<\/li><li>Collect 1 point for every \u00a38 spent elsewhere.<\/li><\/ul><p>However, Tesco will work out how many Clubcard points you have earnt based on every transaction you make, not your total spend. You can use our calculator to make an estimate about how many points you could earn, but it may not be exact to your actual Clubcard points earning. <\/p><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<h3>How do you redeem Tesco Clubcard points?<\/h3><p>Every three months, your points automatically get turned into vouchers that you can spend at tesco.com, in store, on Tesco fuel or with one of the Clubcard Reward Partners. They will usually be sent to you in February, May, August and November.<\/p><p>Most of the reward partners accept Clubcard vouchers, which you can change into partner vouchers. This includes Virgin Atlantic Flying Clubcard miles, which can be redeemed using your Tesco Clubcard points. You could previously also convert your points to Avios air miles, but this scheme ended in early 2021. <\/p><p>Tesco Clubcard vouchers usually have an expiry date of two years. However, if you exchange your Clubcard vouchers to partner vouchers, these are usually only valid for a much shorter period.<\/p><h3>Tesco Clubcard Plus<\/h3><p>In October 2019, Tesco launched Clubcard Plus, a subscription-based scheme that offers additional Tesco benefits. Clubcard Plus works from the Tesco app and costs \u00a37.99 a month. You&#8217;ll still earn your regular Clubcard points, but you&#8217;ll also get:<\/p><ul><li><strong>10% off 2 shops a month.<\/strong> Up to a maximum of \u00a3200 each (\u00a340 discount a month). It only applies to in-store shops, not online.<\/li><li><strong>10% off on all Tesco brands.<\/strong> All the time. There is no maximum spend limit, but again, you need to do your shopping in-store.<\/li><li><strong>Double your mobile data on Tesco Mobile.<\/strong> So for example, if you&#8217;re on a 4gb monthly deal with Tesco Mobile, you&#8217;ll get 8gb instead.<\/li><\/ul><p>These benefits can be worth way more than your monthly subscription, but only if you use them constantly. Tesco says you can unsubscribe anytime, so you can also give it a go for a couple of months and then decide if it&#8217;s worth keeping it up.<\/p><p>Just be careful because you&#8217;ll only make the most of it if you do two big shoppings a month &#8211; you won&#8217;t get good value for money if you shop regularly but always spend small amounts.<\/p><h3>Tesco Clubcard Plus credit card<\/h3><p>Tesco also has a Clubcard Plus credit card. It&#8217;s an exclusive deal for Clubcard Plus subscribers and has 0% interest on purchases for up to 24 months after opening the account. Unlike the rest of Tesco&#8217;s credit cards, it doesn&#8217;t charge any foreign transaction fees.<\/p><h3>Pros and cons<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Automatic points redemption every three months<\/li>\n                                    <li>Large choice of reward partners<\/li>\n                                    <li>Only need credit card instead of carrying additional Clubcard<\/li>\n                                    <li>Keep track of your points and redeem faster on the Clubcard app<\/li>\n                                    <li>Can open up to two Tesco Bank credit cards<\/li>\n                                    <li>Accepts additional cardholders<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Low earn rate<\/li>\n                                    <li>Reduced earn rate on non-Tesco purchases<\/li>\n                                    <li>Clubcard points can't be collected on travel money<\/li>\n                                    <li>Limit of 30,000 points per collection period (3 months)<\/li>\n                                    <li>Restrictions on some Tesco purchases (points can't be collected on tobacco, lottery, stamps, prescription medicine, gift card and infant formula)<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Who are Tesco Clubcard&#8217;s partners?<\/h3><p>The good news is that you don&#8217;t just have to spend your rewards at Tesco as you can redeem your points on a range of more exciting treats, such as meals, days out or even travel abroad.<\/p><p>Tesco Clubcard points are converted into vouchers, which you can spend at a wide selection of travel, restaurant, leisure and lifestyle partners. Alternatively, you can exchange vouchers into other points currencies, such as Virgin Atlantic Flying Clubcard miles.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Here are Tesco Clubcard's travel partners<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul><li>Hilton Hotel &#038; Resorts<\/li><li>Stena Line<\/li><li>Railcard<\/li><li>Irish Ferries<\/li><li>megabus.com<\/li><li>Butlins<\/li><li>Eurotunnel Le Shuttle<\/li><li>Hotels.com<\/li><li>Royal Caribbean International<\/li><li>National Express<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Here are Tesco Clubcard's restaurant partners<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul><li>Pizza Express<\/li><li>Cafe Rouge<\/li><li>Ask Italian<\/li><li>Zizzi<\/li><li>Prezzo<\/li><li>Bella Italia<\/li><li>Hungry Horse<\/li><li>Chef &#038; Brewer<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Here are Tesco Clubcard's leisure partners<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul><li>Cineworld<\/li><li>LEGOLAND Resort<\/li><li>Thorpe Park<\/li><li>Madame Tussaud&#8217;s<\/li><li>City Cruises<\/li><li>Eden Project<\/li><li>Blackpool Pleasure Beach<\/li><li>Alton Towers<\/li><li>Drayton Manor<\/li><li>Coca-Cola London Eye<\/li><li>Newbury Racecourse<\/li><li>Chessington World Of Adventures<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Here are Tesco Clubcard's home and lifestyle partners<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul><li>RAC<\/li><li>English Heritage membership<\/li><li>Evan Cycles<\/li><li>Denby<\/li><li>Spafinder<\/li><li>RHS membership<\/li><li>Goldsmiths<\/li><li>Magazine subscriptions (e.g. <em>BBC Good Food<\/em>, <em>Classic Bike<\/em>, <em>Closer<\/em>, <em>Elle<\/em>, <em>Ideal Home<\/em>)<\/li><\/ul><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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 is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Learn how to earn and redeem Tesco Clubcard points using a credit card plus the pros and cons of this reward scheme.<\/p>\n","protected":false},"author":195,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2891],"tags":[],"asset_tag":[],"class_list":["post-163164","post","type-post","status-publish","format-standard","hentry","category-tesco-bank"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tesco credit card points: Best cards to earn Clubcard points<\/title>\n<meta name=\"description\" content=\"Compare credit cards that earn Tesco Clubcard points on all spending. 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