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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 33 months, then 24.94% (variable) p.a. (3.19% 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).

4.5

OUR RATING

Quick Look

The Tesco Bank Balance Transfer credit card offers up to 33 months of 0% interest on balance transfers, making it a strong option for those needing extended time to repay existing balances. It includes introductory balance transfer fees to consider. Additionally, cardholders can benefit from Tesco Clubcard points on eligible spending, adding value beyond the balance transfer offer. 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 33 months, then 24.94% (variable) p.a. (3.19% fee)
Balance Transfer Fee (%) 3.19%
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).

4.5

OUR RATING

Quick Look

Most low interest credit cards don’t offer rewards, but the Tesco Bank Low APR credit card is an exception. It features a competitive APR of 10.9%, no annual fees, and allows cardholders to collect Clubcard points on their spending. 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).

3.8

OUR RATING

Quick Look

The Tesco Bank Low Fee Balance Transfer credit card offers a reduced balance transfer fee alongside a Clubcard points rewards scheme. It may appeal to customers looking to manage existing debt cost-effectively while earning rewards on everyday spending. 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

4.3

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).

4.3

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 Credit Building
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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