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Tesco Bank Credit Cards

4 CARDS

Tesco Bank offers credit cards that appeal to Tesco shoppers by allowing them to earn Clubcard points on every purchase. With secure account management via the Tesco mobile app, which provides spending insights and payment options, Tesco Bank credit cards focus on rewards and everyday value, making them ideal for customers looking to maximise savings while shopping at Tesco.

Tesco Bank

Balance Transfer

4.5

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

24.9% (variable) p.a.

Balance Transfers

0% for 29 months, then 24.94% (variable) p.a. (2.95% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.9% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

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4.5

OUR RATING

Quick Look

This card offers you up to 29 months interest free on your balance transfers. If you need more time to pay off your balance, this could be a good option to consider. It does have introductory transfer fees to take into consideration. Tesco banking has transferred to Barclays. Barclays will continue to use the Tesco Bank brand on all existing Tesco Bank banking products through a long-term strategic partnership with Tesco. If your application is successful, there’ll be no immediate changes to how you use and manage your account on a day-to-day basis.

Issuer	Tesco Bank
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme	Clubcard
Incentive on opening	5 points per £4 spent (£4 minimum) in Tesco, 1 point for every £4 spent on Tesco fuel (excluding Esso) plus 1 point per £8 spent (£8 minimum) outside Tesco.
Cashback rate (if applicable)	5 points per £4 spent (£4 minimum) in Tesco, 1 point for every £4 spent on Tesco fuel (excluding Esso) plus 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Account Fees	£0
Purchases	24.9% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	0% for 29 months, then 24.94% (variable) p.a. (2.95% fee)
Balance Transfer Fee (%)	2.95%
Cash Advances	29.94% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 100.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Tesco Bank

Low APR

4.5

OUR RATING

Representative APR

10.9% APR (variable)

Purchases

10.94% (variable) p.a.

Balance Transfers

11.46% (variable) p.a. (3.99% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 10.9% (variable) p.a., most accepted customers get a rate of 10.9% APR (variable).

Read Full Review

4.5

OUR RATING

Quick Look

Most low interest rates cards don’t come with any rewards but this one is an exception. You can benefit from both a low APR of 10.9%, no annual card fees, yet still collect your clubcard points. Tesco banking has transferred to Barclays. Barclays will continue to use the Tesco Bank brand on all existing Tesco Bank banking products through a long-term strategic partnership with Tesco. If your application is successful, there’ll be no immediate changes to how you use and manage your account on a day-to-day basis.

Issuer	Tesco Bank
Network	Mastercard
Primary Category	Rewards
Loyalty Scheme	Clubcard
Incentive on opening	5 points per £4 spent (£4 minimum) in Tesco, 1 point for every £4 spent on Tesco fuel (excluding Esso) plus 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	10.94% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	11.46% (variable) p.a. (3.99% fee)
Balance Transfer Fee (%)	3.99%
Cash Advances	24.94% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 100.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Tesco Bank

Low Fee Balance Transfer

3.8

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

24.9% (variable) p.a.

Balance Transfers

0% for 18 months, then 24.94% (variable) p.a. (0.99% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

Read Full Review

3.8

OUR RATING

Quick Look

A low balance transfer fee offer including a Clubcard points reward scheme. Tesco banking has transferred to Barclays. Barclays will continue to use the Tesco Bank brand on all existing Tesco Bank banking products through a long-term strategic partnership with Tesco. If your application is successful, there’ll be no immediate changes to how you use and manage your account on a day-to-day basis.

Issuer	Tesco Bank
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme	Clubcard
Incentive on opening	5 points per £4 spent (£4 minimum) in Tesco, 1 point for every £4 spent on Tesco fuel (excluding Esso) plus 1 point per £8 spent (£8 minimum) outside Tesco.
Cashback rate (if applicable)	5 points per £4 spent (£4 minimum) in Tesco, 1 point for every £4 spent on Tesco fuel (excluding Esso) plus 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Account Fees	£0
Purchases	24.9% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	0% for 18 months, then 24.94% (variable) p.a. (0.99% fee)
Balance Transfer Fee (%)	0.99%
Cash Advances	29.94% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 100.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Tesco Bank

Foundation

3.9

OUR RATING

Representative APR

29.9% APR (variable)

Purchases

29.9% (variable) p.a.

Balance Transfers

29.95% (variable) p.a. (3.99% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 29.95% (variable) p.a., most accepted customers get a rate of 29.9% APR (variable).

Read Full Review

3.9

OUR RATING

Quick Look

This card comes with a lower APR than other credit builder cards. It also offers you an opportunity to earn points for spending at Tesco, Tesco fuel (excluding Esso) and even outside Tesco. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points. The maximum credit limit is subject to status and up to £1500. Tesco banking has transferred to Barclays. Barclays will continue to use the Tesco Bank brand on all existing Tesco Bank banking products through a long-term strategic partnership with Tesco. If your application is successful, there’ll be no immediate changes to how you use and manage your account on a day-to-day basis.

Issuer	Tesco Bank
Network	Mastercard
Primary Category	Rewards
Loyalty Scheme	Clubcard
Incentive on opening	Collect Clubcard points almost every time you spend in and out of Tesco
Cashback rate (if applicable)	5 points per £4 spent (£4 minimum) in Tesco, 1 point for every £4 spent on Tesco fuel (excluding Esso) plus 1 point per £8 spent (£8 minimum) outside Tesco. 100 points = £1 in vouchers. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Account Fees	£0
Purchases	29.9% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	29.95% (variable) p.a. (3.99% fee)
Balance Transfer Fee (%)	3.99%
Cash Advances	39.94% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 250.00
Maximum Credit Limit	Subject To Status: £1,500

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

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