TSB credit cards

Whether you want to make a big ticket purchase and spread the cost, transfer existing debt from another credit card or even earn rewards, such as Avios points, TSB credit cards offer a range of short term borrowing options. From balance transfer cards with interest-free periods of more than two years and purchase cards that charge no interest on spending for more than a year, there’s something to suit every wallet. Also, with 631 high street branches across the country, online account management and UK-based call centres, you can manage your account from anywhere.

Compare TSB credit cards - Sorted by APR

  1. 2016 SUPERS

    Winner of the Best Overall Provider

    Great for
    A low standard rate of 7.9% APR Representative
    0% interest on purchases and balance transfers for the first three months
    1% cashback on purchases if you also hold the TSB Classic Plus current account. Maximum cashback £5 per month until 30 Sep 2017 (terms and conditions apply)
    But be aware that
    Interest will be charged from day of transaction
    Balance transfer must be made within 90 days of account opening to benefit from the promotional offer. T&C's apply
    You won't be able to transfer a balance that's already on a TSB card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 7.9% p.a. (variable) your representative rate will be 7.9% APR (variable).

  2. 2016 SUPERS

    Winner of the Best Overall Provider

    Great for
    No annual fee
    Collecting double Avios on your eligible spend abroad
    Collecting Avios on eligible everyday spend
    But be aware that
    The APR you get is subject to status, so may vary
    You won't be able to transfer a balance that's already on a TSB card
    Balance transfer must be made within 90 days of account opening to benefit from the 0% offer

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% p.a. (variable) your representative rate will be 17.9% APR (variable).

  3. 2016 SUPERS

    Winner of the Best Overall Provider

    Great for
    0% interest for the first 20 months on Balance Transfers
    0% interest on purchases for the first 20 months
    1% cashback on purchases if you also hold the TSB Classic Plus current account. Maximum cashback £5 per month until 30 Sep 2017 (terms and conditions apply)
    But be aware that
    Minimum balance transfer is £100 and is subject to your credit limit. APR and length of promotional offer are subject to status
    Balance transfer must be made within 90 days of account opening to benefit from the 0% offer
    You won't be able to transfer a balance that's already on a TSB card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).

  4. 2016 SUPERS

    Winner of the Best Overall Provider

    Great for
    Companion Ticket with £15,000 of eligible spend in one year
    Collect double Avios on your eligible spend abroad
    Collect Avios on eligible everyday spend
    But be aware that
    You won't be able to transfer a balance that's already on a TSB card. The APR is dependent on your personal circumstances
    There is a £50 annual fee (fee is waived if you hold a TSB Premier Current Account)
    Balance transfer must be made within 90 days of account opening to benefit from the 0% offer

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 13.95% p.a. (variable) with a £50 annual Fee your representative rate will be 23.7% APR (variable).

Guide to TSB credit cards

TSB separated from Lloyds Bank and the Lloyds TSB brand in 2013. It now operates as a standalone brand, as it did until 1995.

It offers a range of credit cards, including balance transfer cards which give you breathing space to pay down existing card balances without charging interest, cards for purchases, low rate cards for both balance transfers and purchases, and student credit cards.

TSB also offers reward cards, enabling frequent flyers to collect Avios points as they spend. Credit limits, promotional periods and interest rates will vary depending on your individual circumstances.

TSB 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.

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.

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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