Tesco credit cards

The Tesco Clubcard Credit Card offers a leading 0% interest on purchases for 16 months, and as well as 0% interest on balance transfers for nine months. Alternatively, the Tesco Clubcard Credit Card for Balance Transfers offers 22 months’ interest-free on any debt switched to the card as well as 0% on purchases for six months. Representative APRs on both cards revert to the same 15.9% (variable) and come with a 2.9% balance transfer fee.

Compare Tesco credit cards - Sorted by APR

  1. 2014 SUPERS

    Winner of our Best Credit Card Provider award

    Great for
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 7.8% (variable) your representative APR will be 7.8% (variable).

  2. 2014 SUPERS

    A good alternative long 0% deal if you’re switching debt from a Barclaycard, Halifax or MBNA card

    Great for
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    Representative Example:

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

  3. 2014 SUPERS

    Winner of our Best Credit Card Provider award

    Great for
    A balance transfer fee of 1.99%
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    Representative Example:

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

  4. Market leading

    Longest 0% purchases card that has no annual fee. You also earn Clubcard points

    Great for
    Winner of our Best Credit Card Provider award
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    Representative Example:

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

  5. Low long term APR for spending – it doesn’t jump up after an intro period. Plus earn Clubcard points

    Great for
    A low balance transfer fee
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    Representative Example:

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

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

As well as the benefits of 0% periods on Tesco’s two credit cards, you will benefit further still if you are a frequent Tesco shopper as you can earn Clubcard points at an accelerated rate.

With either card, you will get five points for every £4 spent in Tesco stores and five points for every £4 spent on Tesco fuel (excludes Esso Fuel). That's more than twice the amount you get with a standard Clubcard. In addition you will also get one point for every £4 spent outside Tesco.

Read more

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

Even though Tesco is a supermarket, the credit card is offered by Tesco Bank which comes under Financial Services Authority (FSA) regulation. This also means that cardholders will be offered protection under the 1974 Consumer Credit Act, so if goods or services you buy with the card become lost, stolen or damaged, you have an equal claim for a refund against the card provider as you do the retailer.  This is so long as the goods or services cost between £100 and £30,000.

The more recently-introduced Consumer Credit Directive will top up this protection up to £60,260. In both cases you will be protected even if just the deposit is paid for using the card.

We're free, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

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