Tesco Bank Clubcard Credit Cards: Earn Rewards on Every Purchase

Tesco Bank's Clubcard Credit Cards combine the convenience of flexible credit with the tangible benefits of Tesco's renowned loyalty scheme. Whether you're looking to consolidate existing debts with lengthy 0% balance transfer periods, finance large purchases with interest-free terms, or build your credit history, there's a Clubcard Credit Card tailored to your financial needs. Every eligible purchase earns Clubcard points, which convert into vouchers at a rate of 100 points = £1, redeemable in-store, at Tesco petrol stations, Esso sites with Tesco Express, and through Tesco Reward Partners for even greater value.

Balance Transfer and Purchase Options

The Balance Transfer and Purchases Credit Card stands out with its dual-purpose design, offering 0% interest guaranteed for 20 months on both purchases and balance transfers from account opening. This makes it ideal for those wanting to consolidate existing credit card debt (2.99% balance transfer fee applies) whilst also having the flexibility to make new purchases without interest charges. After the promotional period, the representative APR of 24.9% (variable) applies on a typical credit limit of £1,200.

For those seeking maximum balance transfer duration, the dedicated Balance Transfer Credit Card provides an impressive 0% interest guaranteed for 34 months on transferred balances (3.45% fee), alongside 0% on money transfers for the first 9 months (3.99% fee). This extended promotional period allows you to systematically pay down existing debt with a clear repayment timeline, whilst still collecting Clubcard points on all eligible spending.

All Round Credit Card Flexibility

The All Round Credit Card offers a balanced approach with 0% interest guaranteed for 14 months on purchases, balance transfers (2.49% fee), and money transfers (3.99% fee). This versatile option suits those who want comprehensive 0% coverage across all transaction types, providing breathing room to manage finances without the burden of immediate interest charges. The representative 24.9% APR (variable) applies after the promotional period ends.

Low Fee Balance Transfer Solution

If you're looking to minimise upfront costs when transferring balances, the Low Fee Balance Transfer Credit Card offers 0% interest guaranteed for 18 months with a notably low 0.99% transfer fee. This significantly reduces the cost of consolidating debt compared to standard balance transfer fees, making it an economical choice for savvy borrowers. Money transfers benefit from 0% interest for the first 9 months (3.99% fee), and the representative APR is 24.9% (variable).

Low APR for Ongoing Borrowing

The Low APR Credit Card delivers a competitive representative rate of 10.9% APR (variable) on purchases, making it one of the more affordable credit card options for those who anticipate carrying a balance beyond introductory 0% periods. This card is particularly suited to existing Tesco Bank customers or those with strong credit histories, offering long-term value whilst still earning Clubcard points on all eligible spending.

Foundation Credit Card: Building Your Credit Future

Designed specifically for those building or rebuilding credit, the Foundation Credit Card offers starting credit limits between £200 and £1,500 with monthly repayments from £25. A standout feature is free access to Tesco Bank CreditView, powered by TransUnion, for 3 years from account opening. This service provides monthly credit score updates, helping you track your progress as you establish a positive credit history. The representative APR is 34.9% (variable), and customers who manage their account responsibly may be considered for regular optional credit limit increases.

Maximising Your Clubcard Points

Beyond the core credit features, Tesco Bank Clubcard Credit Cards transform everyday spending into tangible rewards:

Application and Eligibility Checking

Tesco Bank provides an eligibility checker tool that allows you to see if you're likely to be accepted for a Clubcard Credit Card without affecting your credit score. This soft search gives you confidence before making a formal application. All cards are available to UK residents aged 18 and over, subject to status and credit approval.

Additional Card Features

Important Information