Tesco Clubcard points
You’ll receive Tesco Clubcard points every time you spend with a Tesco credit card where you see the Mastercard logo.
Tesco credit cards
Compare a range of credit cards from Tesco Bank
MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident.
Get a 0% balance transfer card from Tesco Bank
With a Tesco Bank Credit Card, you’re guaranteed to get the promotional rate and APR shown if you are accepted. Just make sure the information you have provided is accurate
Tesco Bank
Representative example: If you spend £1,200 at a purchase rate of 29.9% (variable) p.a. your representative APR is 29.9% APR (variable)
Great for
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Collect Tesco Clubcard points almost everywhere you use your card, on top of your usual Clubcard points in Tesco. Minimum spend applies
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You're eligible to apply for this card even if you've already got another Tesco Bank credit card
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If you're accepted you'll get 0% on balance transfers for 33 months from account opening. 3.19% balance transfer fee
But be aware that
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Unless you have been pre approved, you might get a different interest rate to the one shown here, because this depends on your circumstances
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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
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Balance Transfers must be made within the first 90 days to get the promotional offer. You can't transfer a balance from another card issued by Tesco Bank and you must earn at least £5,000 a year to be eligible for this card
Who is Tesco Bank?
Tesco Bank, formerly Tesco Personal Finance, was formed in 1997 as part of a joint venture between Royal Bank of Scotland and Tesco. It now has more than five million customers.
Now entirely owned by Tesco, Tesco Bank operates under its own banking licence offering insurance, credit cards, loans, savings, mortgages and travel products.
It offers a range of credit cards including balance transfer cards, money transfer cards, credit builder cards, and cards that give different combinations of these features.
What types of cards do Tesco Bank offer?
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Balance transfer cards
A credit card that allows you to move debt from other cards onto the balance transfer card and pay it off at a low interest rate, often 0% interest for an introductory period. These cards are great for paying off what you owe without incurring more interest, but they’re not designed for spending
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Money transfer cards
If you need money in your current account to help with cashflow or clear an overdraft, then a money transfer card could be an option. Borrow money through the card and switch it straight into your current account, paying your card off at a low interest rate in a similar way to how you’d clear a balance transfer card
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Purchase cards
The credit card for those that want to spend on credit, but may not be able to – or don’t wish to – pay it off immediately. A purchase credit card comes with a low interest rate for spending, which could be 0% during an introductory period
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Credit building cards
If you’ve never had a credit card before, or if you’ve a history of bad credit, a credit builder card could help you to build your credit rating up over time. Typically these cards have lower credit limits and higher interest rates, but you’re more likely to be accepted
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Transfer and purchase credit cards
A mixture of low or 0% interest rates for both balance transfers and new spending
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All-round cards
Tesco’s all-round cards go one step further than just balance transfers and purchases and also include low rates for money transfers. An option for those who may need to spend and move money but would prefer not to have multiple credit cards
Why choose a Tesco Bank credit card?
Tesco credit cards come with a range of benefits and features, including:
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Credit card app
Like most credit card providers, Tesco offers the chance for customers to conveniently manage their finances, including credit card transactions, through a dedicated app.
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No fees
None of Tesco’s credit cards come with an annual fee.
Can I use my Tesco credit card as a Clubcard?
Yes. One of the big advantages of a Tesco credit card is that you will accrue Tesco Clubcard points when you use it for spending. This doesn’t just apply to when you shop with Tesco – in its supermarkets or for your online shop, but when you use your card anywhere to buy goods and services - online, in stores and when you fill up at the pump, for example.
These can quickly add up and be turned into vouchers to spend, in store, on Tesco fuel and tesco.com, or with Clubcard Reward Partners – a long list of retailers who accept the vouchers.
How to pick the best Tesco Bank credit card?
Choosing the best Tesco credit card for you will depend on what you need the card for and how you want to manage your finances. The type of card you can get will also depend on your personal financial situation, including your credit score.
If you’re looking to spread payments for a large purchase over a few months: a purchase credit card could work well.
If you want to move debt from elsewhere: so you can pay it off at a lower interest rate, a Tesco Bank balance transfer credit card may be the preferred option.
If you need funds in your current account, applying for a money transfer card could be a smart choice.
Tesco also offers credit cards that combine these features. For example, you may want one that you can use for spending, but also move debt to from elsewhere. A combined credit card can provide low interest rates for both.
In addition, Tesco Bank offers a credit card for those with bad credit, sometimes called a credit builder card.
These cards tend to have a lower available credit limit and higher interest rates (APR). But if you’ve never borrowed before or you’ve had debt problems which means your credit score is low, you might be more likely to be accepted for a credit builder card.
If you need more information, our guide to which credit card is best for you can help further.
Am I eligible for a Tesco Bank card?
To be able to get a Tesco Bank credit card you must be:
Aged 18 or over
A UK resident
Have proof of income or affordability
Your credit score will also be assessed before any application is approved.
*Meeting the criteria does not guarantee acceptance
How likely am I to get accepted for a Tesco Bank credit card?
Whether you’re accepted for a credit card depends on a number of factors, including:
Your credit score
Your income and outgoings
Tesco Bank’s own internal approval criteria. (Terms and conditions will differ between card providers).
How long does it take to get a Tesco Bank credit card?
Applying for a Tesco Bank credit card can be done online in just 10 minutes. Once approved, you should receive your Tesco Bank credit card within 5-7 working days from your application being accepted. Your PIN arrives separately within 3-5 working days.
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How to compare credit cards with MoneySuperMarket
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Tell us about you
We'll ask you a few questions about you and your finances, and what you’re looking for from a credit card
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We browse the market
We'll filter through dozens of credit cards offers from across the market, and show you the cards we think match what you’re looking for
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Choose the card you want
You'll be shown a range of credit cards, which you can sort according to APR, features and your likelihood of approval
How long does it take to get a Tesco Bank credit card?
Assuming you’re approved by Tesco Bank, you can expect to receive your credit card in the post within five-seven working days.
Can I get a Tesco Bank credit card with bad credit?
You may be able to. That’s largely because Tesco Bank offers a credit-builder card in the form of its Foundation Credit Card, which is tailored to the needs of people with an impaired credit score.
As you may expect with a credit-builder card, the Foundation Credit Card generally offers relatively low credit limits. But provided you use the card responsibly and make all your repayments on time and in full, you should be able to improve your credit score over time.
In turn, that should give you access to more attractive cards in future, including those with extra benefits and lower rates.
How can I contact Tesco Bank?
For all credit card enquiries, you can get in touch with Tesco Bank on 0345 300 4278. Opening hours are 8am-9pm (Weekdays), 8am-6pm (Saturday) and 8am-6pm (Sunday).
Pay off as much as you can – in full if possible
It’s best to pay off your entire credit card balance every month if you can afford to – this way you won’t pay interest and you can avoid building up debt. If you can’t afford to pay off the full balance, you must pay off at least the minimum monthly payment – ideally more.
Don’t miss payments
Avoid missing credit card payments – credit card providers will often charge a penalty if you miss a payment and you also risk harming your credit score.
Set up a direct debit to pay your credit card balance
Setting up a direct debit could be a good way to ensure you pay off at least the minimum amount of your credit balance each month.
Don’t apply for new credit cards too often
Each time you make an application for a credit card, it leaves a record – known as a ‘hard search’ - on your credit report. Too many applications can make lenders think you are in desperate need for credit and your application may be rejected.
Get credit cards that offer rewards
Some credit cards have extra benefits that reward you when you use them a certain way. While some of them can be tempting, it’s better to get a credit card that will give you rewards for the way you spend already.
For example, an airmiles credit card. or one that earns you Avios travel-related points, is only going to be useful if you’re a regular flyer, but if you’re a regular shopper at a particular high street store, there might be a credit card that gives you cashback for shopping there.
Be careful when travelling overseas
If you’re planning to use your credit card overseas, check whether or not you’ll be charged for doing so. Many credit cards charge fees for foreign transactions, so it can be a good idea to look for a card that won’t charge you for using it abroad.
Don’t use your credit card for cash withdrawals
Some credit cards will charge a fee if you use them to take cash out of a cash machine, and on top of that you’ll be charged interest from the moment you receive your money. Avoid using your credit card for cash withdrawals unless it’s an emergency.
Protect yourself from fraud
Credit card fraud, like any fraud, is serious – you should always take care when using your credit card and be careful where you keep it. Never tell anyone your PIN and regularly check your statements every month – or if your credit card has an app, check that regularly - to make sure there are no surprises.
Credit card deals comparison
If you’re applying for a credit card, you might be able to find a better deal if you look through offers from different providers before taking one out. With MoneySuperMarket you’ll be able to search through multiple credit card deals and compare them by a range of factors, including their interest rates and any benefits and rewards they come with.
All you need to do is answer a few questions about yourself and your financial situation, and our Eligibility Checker will show your chances of being accepted for different credit cards. This won’t affect your credit score, so you can run a check without any worries.
Once you know which card you want, you can normally apply by phone, online, or in person if the provider has a high street branch. However, when you do apply, the provider will usually run a hard credit check – which will show up on your credit report – to confirm whether they’ll give you the card. If you’re accepted they’ll tell you your credit limit and interest rate, and soon you’ll be ready to start using your credit card.
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Reviewed on 11 Dec 2025 by
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