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
    Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
    You can still apply even if you have a Tesco Bank Credit Card already
    Apply online and get a decision within 60 seconds
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress

    Representative Example:

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

  2. Limited offer

    0% for 40 months on Balance Transfers and Money Transfers - Offer ends 7th July 2016

    Great for
    Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
    If approved you will be offered 0% for 40 months from account opening
    You can still apply even if you have a Tesco Bank Credit Card already
    But be aware that
    The 0% offer is applied to any balances or money transferred within the first 90 days of account opening
    The APR you get is subject to status, so may vary
    You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress

    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, plus your usual points in Tesco. Terms apply.
    If approved you will be offered 0% for 38 months from account opening
    You can still apply even if you have a Tesco Bank Credit Card already
    But be aware that
    The 0% offer is applied to any balances or money transferred within the first 90 days of account opening
    The APR you get is subject to status, so may vary
    You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress

    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
    Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
    You can still apply even if you have a Tesco Bank Credit Card already
    Apply online and get a decision within 60 seconds
    But be aware that
    The 0% offer is applied to any balances or money transferred within the first 90 days of account opening.
    The APR you get is subject to status, so may vary
    You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress

    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, plus your usual points in Tesco. Terms apply.
    You can still apply even if you have a Tesco Bank Credit Card already
    Apply online and get a decision within 60 seconds
    But be aware that
    This offer is applied to any balances transferred within the first 90 days of opening your account
    The APR you get is subject to status, so may vary
    You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress

    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
    Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
    You can still apply even if you have a Tesco Bank Credit Card already
    Apply online and get a decision within 60 seconds
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress

    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. Great for
    Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
    You can still apply even if you have a Tesco Bank Credit Card already
    Apply online and get a decision within 60 seconds
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress

    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).

  8. Great for
    Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
    You can still apply even if you have a Tesco Bank Credit Card already
    Apply online and get a decision within 60 seconds
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress

    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).

  9. Great for
    Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
    You can still apply even if you have a Tesco Bank Credit Card already
    Apply online and get a decision within 60 seconds
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress
    To get 1000 Clubcard points you must make a purchase or transfer a balance within 2 months of account opening. T&Cs apply

    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).

  10. Great for
    If you spend £5000 on your card in Tesco in any year you’ll receive 5000 additional Tesco Clubcard points. Terms apply.
    Make the most of your Clubcard points across a wide range of Tesco Clubcard Partners, from meals out with the kids to using towards that dream holiday
    If you’re aged under 70, you’ll get annual worldwide travel insurance for you and your immediate family members (under 70) provided by Ageas Insurance Ltd.
    But be aware that
    There is an annual fee of £150
    Credit limit is subject to status

    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).

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 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.

Read more

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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