Earn Clubcard points at Tesco and everywhere else
0% on purchases for 15 months
0% on balance transfers for 9 months (2.9% fee)
Exchange Clubcard points for Avios travel rewards
Tesco Clubcard credit card
Everything you need to know about this credit card, including how to apply, our review and the small print.
Available to those who are:
- Aged 18 or over
- UK resident
- Earn at least £5,000 a year
Please ensure you meet the above criteria before applying, or it could adversely affect your credit rating.
| Representative Example: 16.9% p.a. variable on purchases. This is equivalent to 16.9% APR representative variable based on a credit limit of £1,200. Tesco Bank, PO Box 5747, Southend on Sea, SS1 9AJ |
What's on offer?
Main summary of this credit card's rates, rewards and services.
 Purchases: |
 Balance transfers: |
 Rewards: |
 Cardholder services: |
|---|---|---|---|
| 0% for 15 months 16.9% p.a. variable thereafter |
0% for 9 months 18.268% p.a. variable thereafter 2.9% transfer fee |
Tesco Clubcard Points Clubcard Partner Rewards Convert Clubcard to Avios Double points on Tesco Fuel |
Online Account Management Internet Fraud Guarantee Active Fraud Monitoring MasterCard SecureCode |
Further details and the small print
A closer look at the rates, rewards, services and our review of this credit card.
What we think
Our review and how this deal compares
Please read this first:
This review is based on general information about how the product compares in the market, it shouldn't be taken as a recommendation or advice.
Please see below for more important information relating to the content of this page.
The Tesco Clubcard credit card is a market leader in two areas - something not often achieved by many cards.
Firstly it offers the market's current longest 0% purchases deal of up to 15 months.
This deal is currently only matched (but not surpassed) by the Marks & Spencer's credit card.
Secondly, it offers reward points for one of the UK's biggest loyalty schemes - Clubcard.
0% purchases
The Tesco Clubcard credit card has been at the top of the market for a good while now for its 0% purchases offer.
The deal lasts 15 months and there aren't a huge number of terms in comparison to balance transfer offers.
The primary points here are simply the standard credit card account terms - such as always making at least the minimum payment each month and not exceeding the credit limit.
0% periods run from the day the account is opened rather than the first purchase, and unlike balance transfers there are no fees to pay to obtain the 0% rate.
We've covered in more detail what happens at the end of a 0% purchases period in this knowledgebase faq.
Clubcard points
The Tesco Clubcard credit card - as the name suggests - is tied to the Clubcard loyalty scheme.
The credit card however offers Clubcard points on all spending - even spending at ASDA for example, and additionally doubles up as a loyalty card when you're at the Tesco till.
Spending will earn 1 Clubcard point for each £4 wherever it's spent.
When shopping at Tesco, the credit card doubles up as a normal Clubcard and will in addition collect loyalty Clubcard points at the standard rate of 1 point for each £1 spent.
Clubcard credit card holders also get double points on Tesco fuel - so 1 point per £1, plus 1 point per £4 (compared to loyalty cardholders who only earn 1 point per £2 spent).
Clubcard points have a reasonable redemption value although it does differ considerably depending on the reward chosen.
For example, 250 Clubcard points is worth a £2.50 voucher to spend at Tesco.
That voucher could be exchanged for partner rewards of up to 4x the value though.
Additionally, Clubcard points can be exchanged onto the Avios travel reward scheme. We have covered this in more detail in our guide to converting Clubcard points to Avios, but currently 250 Clubcard points can be exchanged for 600 Avios.
Cardholder services
There aren't a whole lot of additional services to write home about here, and this perhaps just isn't this card's forte.
That said, cardholders would of course receive protection on purchases and against fraud as is extended under law.
Section 75 offers protection for faulty, damaged or undelivered goods as well as if the supplier goes bust.
Additionally cardholders are protected against fraud up to a maximum of £50 where reasonable precaution was taken as set out under The Lending Code.
Tesco Bank also offers an active fraud monitoring service, as well as an Internet fraud guarantee and access to the 3D secure password service for safer online shopping with participating retailers.
When travelling abroad - if the card is ever lost or stolen Tesco will aim to replace it as soon as possible and can arrange an emergency cash advance if necessary.
All in all
The Tesco Clubcard credit card stands out in a crowded market and manages to achieve what many cards can simply only pretend to: two market leading offers.
Application criteria
| Detail | |
|---|---|
| Only apply if you are: | - Aged 18 or over - UK resident - Earn at least £5,000 a year |
Interest rates
| Detail | Additional | |
|---|---|---|
| Representative APR (variable) | 16.9% APR | Rates from 16.9% APR variable to 21.9% APR variable depending on individual circumstances. Based on a £1,200 credit limit. |
| Introductory Purchases | 0% for 15 months | - |
| Introductory Balance Transfers | 0% for 9 months | - |
| Standard Purchases | 16.9% p.a. variable | Rates 16.945% to 21.944% p.a. variable. |
| Standard Balance Transfers | 18.268% p.a. variable | Rates 18.268% to 24.238% p.a. variable. |
| Standard Cash Advances | 24.942% p.a. variable | - |
Fees and charges
| Detail | Additional | |
|---|---|---|
| Balance Transfer fee | 2.9% | - |
| Cash Advance fee | 3% (£3 min) | No cash advance fee on Tesco Travel Money (purchased online, in-store or over the phone), including all currency and non-Sterling Travellers Cheques. |
| Foreign fee | 2.75% | 0% commission on Tesco Travel Money (purchased online, in-store or over the phone), including all currency and non-Sterling Travellers Cheques.This fee is charged for transactions made in non-sterling currency. |
| Annual fee | None | - |
| Default charges | £12 | This charge is made for late payments, returned payments and exceeding the credit limit. |
Repayment details
| Detail | Additional | |
|---|---|---|
| Credit limit | £250 min | Maximum credit limit is subject to status. |
| Interest free period | Up to 51 days | For purchases if you pay your balance in full and on time and you have paid the previous month's balance in full and on time. There is no interest free period on cash advances, money transfers or on balance transfers outside of the introductory period. |
| Minimum monthly payment | 1% (£25 min) | The minimum monthly payment will be the greater of: - The total of all interest and default fees charged on your statement plus 1% of the new balance shown on your statement (excluding 'Tesco Buy Now Pay Later' special offers) plus any arrears carried over from your previous statement, OR - £25 plus any existing arrears carried over from your previous statement, OR - the amount owed over the credit limit which includes any over limit fees. |
| Allocation of payments | Highest interest rates first | Payments will be applied to pay off: > First those items which attract the highest interest rates. > This will normally be in the order of interest and fees followed by transaction type of cash advances, standard rate balance transfers, purchases and money transfers, special offer rates > If there is more than one item at the same rate the card provider will pay off the oldest one first. > If your account is in arrears, the card provider will pay off the arrears on your account (starting with the oldest) before they put it towards the amount due from your most recent statement. > If you have Buy now Pay Later special offer items, the card provider will pay them off after they have paid off everything else on your account. |
Rewards and discounts
| Detail | |
|---|---|
| Tesco Clubcard Points | Collecting Clubcard points:
- Earn 1 Clubcard point for every £4 you spend anywhere - The Clubcard credit card doubles as a Clubcard loyalty card - so you'll earn Clubcard loyalty points on all your Tesco spending too (1 Clubcard point for every £1). Redeeming Clubcard points: - 250 Clubcard points = £2.50 Clubcard voucher to spend at Tesco |
| Clubcard Partner Rewards | Exchange Clubcard vouchers for 4x worth of Partner Reward tokens - £10 Clubcard voucher = £40 worth of reward tokens |
| Convert Clubcard to Avios | Clubcard points can be converted to Avios at a rate of 600 Avios for every 250 Clubcard points. |
| Double points on Tesco Fuel | 1 Clubcard point for every £1 spent at Tesco Petrol Filling Stations (excluding Esso Fuel), plus 1 Clubcard point for each £4 spent. Normal Clubcard loyalty cards only earn 1 point per £2 on Tesco fuel. |
Cardholder services
| Offered | Additional | |
|---|---|---|
| Online account management |  |
The account can be managed online. |
| Internet Fraud Guarantee | |
You will not be held liable for any fraudulent transactions made on the web without your knowledge or consent. |
| Fraud Monitoring | |
Tesco will actively monitor your account for any suspicious transactions and will get in touch with you if they notice anything. |
| Identity Protection |  |
- |
| Credit Report Access | |
- |
| 3D Secure | |
MasterCard SecureCode An extra layer of security when shopping online. Register and set up a password-protected identity-check when you shop online with participating online retailers. |
| OneTouch Payments | |
- |
| Purchase Protection Insurance | |
- |
| Purchase Delivery Insurance | |
- |
| Comprehensive Travel Insurance | |
- |
| Travel Accident Insurance | |
- |
| Travel Inconvenience Insurance | |
- |
| Assistance Abroad | |
- |
| Emergency Card Replacement | |
If your card is ever lost or stolen abroad, Tesco will replace it ASAP and you may receive a cash advance to tide you over. |
Please read the following notice:
The review on this page is intended to provide general information only and does not attempt to give advice that relates to your specific circumstances. If you are unsure as to the suitability of any financial product, you should discuss this with an independent financial advisor.
While we make every effort to ensure and maintain current and accurate information on this site and the review on this page will be periodically updated inline with product changes, it could contain rates, deals or facts which have now changed and therefore should not be solely relied upon.
You should check the full details of any product with the relevant provider before applying, and you are advised to conduct your own research as well.
We aim to provide free reviews and comparisons of consumer products. To keep the site free, we are paid by some providers when new customers take products after they've clicked on our links. We don't allow our editorial content to be affected by those links, however we may not include all of the products available in the market.
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