Tesco credit cards

The Tesco Clubcard Credit Card for purchases offers a leading 0% interest on purchases for 21 months, and as well as 0% interest on balance transfers for three months. Alternatively, the Tesco Clubcard Credit Card for Balance Transfers offers 33 months’ interest-free on any debt switched to the card as well as 0% on purchases for three months. Representative APRs on both cards revert to the same 18.9% (variable).

Compare Tesco credit cards - Sorted by APR

  1. Great for
    You can transfer a balance to this card with no fee
    Earn Clubcard points wherever you use your card, on top of your usual Clubcard points in Tesco
    You're eligible to apply for this card even if you've already got another Tesco Bank credit card
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances
    You're not eligible if you've applied for another Tesco Bank credit card in the last month
    You must earn at least £5,000 a year to be eligible for this card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 5.9% p.a. (variable) your representative rate will be 5.9% APR (variable).

  2. Great for
    Earn Clubcard points wherever you use your card, on top of your usual Clubcard points in Tesco
    You're eligible to apply for this card even if you've already got another Tesco Bank credit card
    If you're accepted you'll get 0% on balance transfers and money transfers for 40 months
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 90 days to get the promotional offer
    You're not eligible if you've applied for another Tesco Bank credit card in the last month

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  3. Great for
    Earn Clubcard points wherever you use your card, on top of your usual Clubcard points in Tesco
    You're eligible to apply for this card even if you've already got another Tesco Bank credit card
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 90 days to get the promotional offer. 0% interest rates apply from the day you open your account
    You're not eligible if you've applied for another Tesco Bank credit card in the last month

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  4. Great for
    You can transfer a balance to this card with no fee
    Earn Clubcard points wherever you use your card, on top of your usual Clubcard points in Tesco
    You're eligible to apply for this card even if you've already got another Tesco Bank credit card
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 90 days to get the promotional offer
    You're not eligible if you've applied for another Tesco Bank credit card in the last month

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  5. Great for
    Earn Clubcard points wherever you use your card, on top of your usual Clubcard points in Tesco
    You're eligible to apply for this card even if you've already got another Tesco Bank credit card
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances
    You're not eligible if you've applied for another Tesco Bank credit card in the last month
    You must earn at least £5,000 a year to be eligible for this card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  6. Great for
    You can transfer a balance to this card with no fee
    Earn Clubcard points wherever you use your card, on top of your usual Clubcard points in Tesco
    You're eligible to apply for this card even if you've already got another Tesco Bank credit card
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances
    You're not eligible if you've applied for another Tesco Bank credit card in the last month
    You must earn at least £5,000 a year to be eligible for this card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  7. Limited offer

    Receive an extra 2500 Clubcard points when you apply and are accepted. T&Cs apply. Limited offer, ends 5th January 2017

    Great for
    Get 5,000 additional Clubcard points when you spend £5,000 on Tesco shopping or fuel with this card in a year
    Get annual worldwide travel insurance for yourself and your immediate family members if you're aged under 70
    But be aware that
    You'll have to pay a £150 annual fee
    You must earn at least £25,000 a year to be eligible for this card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £150 annual fee Fee your representative rate will be 56.5% APR (variable).

  8. Great for
    0% interest to pay on purchases for 6 months from account opening
    This card can help to build your credit rating
    You can get your Noddle credit report for free
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances
    You're more likely to be accepted if you haven't received any CCJs in the past 18 months and haven't had an account closed in the past year due to missed repayments
    You must earn at least £5,000 a year to be eligible for this card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 27.5% p.a. (variable) your representative rate will be 27.5% APR (variable).

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
9.5/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

Guide to Tesco credit cards

Tesco Bank offers a range of credit cards which provide long 0% periods on balance transfers, money transfers and purchases as well as cards with a consistently low APR.

Tesco credit cards double as a Clubcard, so you’ll get:

  • 5 Clubcard points for every £4 you spend at Tesco stores
  • 5 Clubcard points for every £4 you spend on Tesco fuel (excludes Esso Fuel)
  • 1 Clubcard point for every £8 you spend almost everywhere else

As well as Tesco groceries, Tesco Clubcard points can be exchanged for holiday discounts, meals out or experiences.

Tesco credit cards are fully regulated by the city regulator the Financial Conduct Authority (FCA)

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. 

This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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